Whether you want to spend quality time with your loved ones, enjoy a second home, or go anywhere and when you please, Connecticut and a recreational vehicle are the perfect combination. Before you head out, make sure you have appropriate RV insurance coverage.
Motor Vehicle Coverage
Connecticut drivers must register the motor vehicles that they drive on the highways. And, when you register your motor vehicle, you need to show proof of insurance coverage. You’ll need to prove that you have at least the minimum liability and property damage coverage. You also need to have coverage for underinsured/uninsured motorist.
Home Owner’s Coverage
You likely carry a lot more personal things in your motor vehicle than you carry in your car, especially if your RV doubles as your home. So, you’ll need insurance coverage that’s like a homeowner’s insurance policy. This means you need liability coverage and you need coverage for your belongings — whether stored in your RV or at a remote location.
Replacement Coverage
Consider getting replacement coverage for your RV. If you have a newer RV, the insurer might replace it with a similar one if someone steals it or if it’s totaled in an accident. For older RVs, you might get money toward buying another RV.
Coverage For Permanent Attachments
Adding accessories such as awnings, wheelchair lifts and towing kits, makes life easier and more comfortable for you. These items also increase the value of your RV, so get coverage to protect your investment.
Campground Coverage
Parking your RV at campgrounds can bring exposure to unexpected risks. For example, your accidental fire might cause damage to the campsite. Make sure you have coverage that protects you if you’re liable for accidents at a campsite.
Driving or living in an RV can expose you to plethora risks. So, if you’re looking for coverage in West Hartford, CT, contact your AllConnecticut insurance agent today. You don’t want to get caught with inadequate insurance. It’s a sure way to put a damper on your RV experience.