Whether you are thinking of buying an RV or already own one, researching your options for RV insurance is always a good idea. There are several different factors to consider especially since RV’s are generally used in a vacation atmosphere or used to travel across cities or even states. The rules are quite a bit different when it comes to RV insurance versus auto insurance.
In general, you are required to have liability insurance when driving an RV in most states. Although full coverage is not required, depending on how often and where you are driving, you may want to consider it as an option. Even if you don’t own an RV but are looking into renting or financing one, you still want to be aware of your insurance options. Since purchasing an RV is a pretty costly purchase, a lot of people start by renting. It’s a good way to determine if purchasing one in the future and gives you a chance to get some information on what kind of insurance you will need.
If you don’t plan on driving your RV, you may not need to purchase insurance. If your RV is towable but not drivable, insurance is not required. You also don’t need insurance if you own your RV and live in a state where liability is not required. If you have insurance on your car and use it to tow your RV, your insurance can cover the RV but you want to consider the cost of the RV versus the cost of the car when considering coverage.
Some other aspects that you’ll want to think about when discussing your insurance options are how often you plan to use it and what the roads and locations will be like on the vehicle.If your RV has been driven a lot and has faced a lot of wear and tear, the value may decrease over a short period of time since the vehicle is typically used to take to the desert or mountains. Some companies offer total loss replacement and even provide emergency expenses if you are unable to use your vehicle while out away from home.
Contact Us Today!
We know that the need for RV insurance is not as typical other kinds of insurance, but that doesn’t mean we don’t want to assist you in taking the steps needed to get on the road. Whether it’s a cross country road trip or just a weekend vacation, we want to help you get there safely in whatever kind of recreational vehicle you choose. We would be happy to answer any questions or address any concerns you may have. Reach out to Willoughby Insurance in Buffalo, NY today!