Whether you are planning to take your RV out for occasional trips or want to make it your full-time home, you must have proper insurance. In some cases, you can add your RV insurance in Chicago onto your existing insurance, but that isn’t always the optimal option. RV insurance combines components of auto and home insurance so you have protection from any potential issues related to using a recreational vehicle.
Basic RV Insurance
Based on your insurer, your policy may be different from someone else’s. However, nearly all basic RV insurance will include liability insurance, collision and comprehensive coverage, uninsured and underinsured motorist coverage, and coverage for medical payments.
Liability insurance for your RV is required to operate it and you will need the same coverage as you would for any other vehicle. This insurance covers the costs of property damage and injury to others if you cause an accident.
Collision and Comprehensive
With collision and comprehensive coverage, you’re covered if you run into objects or cause a crash. You’ll also be covered with basic RV insurance from Chicago if you hit an animal, the RV is vandalized, or the vehicle is stolen.
Uninsured and underinsured motorist coverage protects you and any passengers if you are hit by someone who has no insurance or not enough insurance to cover your bills. The property damage portion of the insurance covers repairs if your RV becomes damaged in the same way.
Medical payments coverage does exactly what it promises. If your RV is in a crash, no matter whose fault it is, there will be coverage for treatment of any injuries experienced by you or your passengers.
Additional Coverage Options
There are many other options when it comes to RV insurance, which you can pick and choose from depending on your needs. These options range from full replacement of the RV if it is stolen or totaled to roadside assistance if your RV breaks down while traveling. Full-time RV coverage is needed for those who plan to live in the recreational vehicle, while those on trips might be well-served having vacation liability insurance.
If you need help choosing the right RV insurance for your needs, Business Name can assist you. We’d be happy to talk to you and determine what insurance package will work best for your needs.