What is Recreational Insurance and Why Do I Need it in West Hartford, CT?

Like most people, you probably think of your car when you hear "insurance." But there’s another type of insurance that’s just as important: recreational vehicle (RV) insurance. Here’s what you need to know about recreational insurance in West Hartford, CT.

What is recreational vehicle insurance?

Recreational vehicle insurance is a type of insurance that helps protect you financially if your RV is damaged or stolen. It also covers you for damage to someone else’s property with your RV. Like car insurance, recreational vehicle insurance has different coverage options, so you can choose the one that best fits your needs.

Why do I need recreational vehicle insurance?

If you’re financing your RV, your lender will probably require you to have insurance. Even if you own your RV outright, it’s a good idea to insure it in case it’s damaged or stolen. RVs can be expensive to repair or replace, so having insurance can help financially if something happens to your RV.

An ALLConnecticut Insurance Agency representative can help you choose the right recreational vehicle insurance policy for your needs.

What Are My Choices for Recreational Insurance?

There are two main types of recreational vehicle insurance: comprehensive and collision. Comprehensive insurance covers damage to your RV that’s not caused by collisions, such as theft, vandalism, or weather damage. Collision insurance covers damage to your RV if it’s in an accident.

You can also choose to add other types of coverage to your recreational vehicle insurance policy, such as:

  • Roadside assistance: This coverage can help pay for towing and other services if your RV breaks down while you’re on the road.
  • Full-time coverage: If you live in your RV full time, you may want to add this coverage, designed for RVs used as primary residences.

Speak with an ALLConnecticut Insurance Agency representative to learn more about your coverage options and get a quote for recreational insurance.