Before heading out of West Hartford, CT with your RV this summer, it would be a good idea to make sure you have proper insurance coverage on your vehicle. A motorized RV, such as a motor home, must have liability insurance just as an automobile would in Connecticut. Smaller RV’s must also have liability coverage at a minimum, but may operate under a different policy than an auto policy.
RV insurance is rather specialized a it is often a vehicle that is used only part of the year, and may be parked for extensive periods. It is generally also a high-value vehicle, and that makes the insurance cost more. In addition to liability, there is collision and comprehensive coverage available for a motor home type vehicle. Collision and comprehensive are not required by the state, but may be required by the lender if you still owe on the RV. Collision covers damage to your vehicle if you are at fault in an accident. Comprehensive covers none automotive damage caused by your vehicle in an accident.
Gap insurance is also a possibility one might consider. This covers the difference between the market value and the cost to replace if your RV is totaled. In a collision policy the insurance company pays the market value, but you may owe more than that or it might cost more to replace than that. With gap insurance you would be covered. For some people an umbrella policy is a good idea. This covers you if you have a major claim against you that is more than your insurance limits.
The agents at ALLConnecticut Insurance can help you get the policy you need to cover your RV. You may also get quotes by visiting us online. Existing customers may contact us to get a free policy review to make sure all of your policies are up to date.