Recreational vehicles (RVs) refer to a wide variety of motorhomes, ranging from bus conversions to camper vans. They come in different sizes and designs. RV insurance offers most of the benefits found in your standard auto insurance but also adds some extras your motorhome may need. If you own or you’re planning to purchase an RV, it’s important to have the right coverage for it with ALL Connecticut Insurance. Plus, having RV insurance in West Hartford, CT is compulsory. And just like auto insurance, your premiums will depend on different factors. There are several coverage options for insuring your RV. They include:
Liability: Due to their large sizes, these vehicles can cause very severe accidents. This policy covers any injury costs or damage costs towards others in the event you are responsible for an accident. This coverage is mandatory.
Collision: Covers damage costs in case your RV is hit or hits another vehicle or object.
Uninsured/underinsured: Other drivers may not have enough or even lack insurance to cover damages to your RV if they cause an accident. This coverage will cater for those damages. Plus it can help in a hit-and-run situation.
Comprehensive: If you use your RV frequently, for instance, if you live in it, it would be wise to cover it against non-collision damages like fire and vandalism.
Total loss replacement: Since RVs are quite costly, this coverage will cover the full, original price of your RV without depreciation in case it’s lost or written off.
Apart from these major coverage options, some additional coverage options you can include are roadside assistance, personal effects, vacation liability, emergency expenses, etc.
An experienced agent at ALLConnecticut Insurance will help you understand the kind of risks your RV may face in West Hartford, CT and help you make an informed decision. Contact us today for more information or to get the right policy for your RV.