Insurance Coverage for RVs in West Palm Beach
Determining how much RV insurance you need to carry beyond state requirements is important. Assuming that you own your RV and are under no obligations with a lender to carry otherwise mandated coverages, here are a few things to mull over that may help you determine how much coverage to buy.
- Where do you keep your RV when it’s not in use? If you don’t store your RV in a secure location, you could be exposing it to the risk of theft. In this case, consider carrying enough insurance to cover your losses if your RV is stolen or broken into and your belongings are taken. Another thing to consider is your RV’s exposure to weather and natural disasters. Even if you keep your RV safely stored away from the elements, there’s always the possibility it could be damaged or destroyed by a fire, a storm or another covered peril.
- How much is your RV worth? Unlike cars, which depreciate in value quickly, RVs can carry their value for much longer. If your RV was lost or seriously damaged, would you suffer a serious financial hit? Keep this in mind when deciding whether to get comprehensive or collision coverage.
- What’s the value of the belongings you keep in your RV? If you’re a tech connoisseur, it’s likely you may have a premium sound and video system installed in your RV. Likewise, no RV would be complete without a minifridge, stove and microwave oven. Take note of the value of the belongings that are kept inside of your RV at all times and factor these into deciding whether to take out a comprehensive policy to protect you against a covered loss.
Understanding your options, when buying RV insurance, you’ll find that a lot of the same coverage options from your auto policy are also available for your RV. But there are additional options which you may want to take advantage of.
The typical RV insurance policy may include the following coverage options:
- Liability for bodily injury and property damage
- Collision coverage for damage done to your RV
- Comprehensive coverage, which includes insurance for nonaccident damages such as fire, theft and falling objects
- Contents coverage for damage done to the personal belongings you carry in your RV
- Medical payments coverage for injuries to you or your passengers in an accident
- Personal Injury Protection – This comes into play regardless of who’s at fault. PIP may pay for a broad range of expenses including medical bills, lost wages and funeral expenses. Check with your local agent to determine whether you live in a no-fault state.
Owning an RV ensures that when you vacation, you never have to spend money on a hotel room and you never have to worry that all the rooms will be booked. Why not protect that investment by getting the right kind of RV coverage for your needs?
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