Recreational Vehicle Insurance

Road Trip Essentials. How RV Insurance Can Enhance Your Trip.

If you own a recreational vehicle (RV), you face a set of unique risks. Fortunately, having the right insurance policy can help you mitigate many of those risks. I & E Insurance Agency is here to help you navigate your RV insurance needs and find a policy that meets your budget. Give us a call today to learn more.

What is RV Insurance?

RV insurance is a type of insurance policy that provides coverage for your motorhome, travel trailer, camper, or other type of RV. This insurance can help protect you financially in case of accidents, theft, and other unexpected events.

How Does RV Insurance Work?

Like other types of insurance, RV insurance works by paying a monthly or annual premium to an insurance company. In return, the insurance company provides coverage for a variety of risks associated with owning an RV, including:

  • Collision insurance may help cover the costs of repairing damage to your RV after an accident or replacing it if it is totaled.
  • Comprehensive insurance may help pay for the RV’s repair or replacement costs related to damage from non-accident mishaps, such as weather damage.
  • Liability insurance may help financially protect you if you’re at fault in an accident and cause property damage to others or bodily injury. It may also help cover the costs of lawsuits related to your liability in an accident.
    • Bodily injury liability coverage may pay for their medical bills (and in some cases, deaths).
    • Property damage liability may pay for damage to the other driver’s property (e.g., vehicle).
  • Medical payments coverage may pay your and your passengers’ medical bills for injuries sustained in an RV-related accident.
  • Uninsured/underinsured insurance may help financially protect you against the costs incurred following repairing damage or replacing your RV after you’re in an accident caused by someone with inappropriate liability coverage.

Do I Need RV Insurance?

The answer to this question depends on a few factors, such as:

  1. State requirements—In most states, including New Jersey, RV insurance is required by law if your vehicle is motorized. I & E Insurance Agency can help ensure that your policy is compliant with applicable state regulations.
  2. Usage—If you only use your RV occasionally and keep it in storage most of the time, you may not need full-time insurance coverage. However, if you use it regularly or live in it full time, you should consider getting full coverage.

How Do I Get RV Insurance?

RV insurance can provide valuable protection for your home on the road. It can give you peace of mind and help you avoid financial losses in case of unexpected events. If you own an RV, we can help teach you about your insurance options available to you and choose the one that best meets your needs.

Contact I & E Insurance Agency today to get started.

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