RV insurance has some similarities with automobile insurance, but it is also very distinct as well. The very first way the two types of insurance differ is in determining if you even need RV insurance at all. Niles, IL residents and those who live in Arizona, and Wisconsin do not need to purchase insurance for pop-up trailers, fifth wheels, and travel trailers, as these can be towed and are not able to run on their own power. Even so, RV insurance is encouraged, because these items can still suffer loss as the result of a storm, burglary, or vandalism, and your lender will usually require it as well.
RV Insurance Carries Different Specifications
Your RV is a vehicle, but it is basically also a home you can live out of for various periods of time. Unlike car insurance, your RV coverage will take into consideration the size of your RV, and this is categorized into classes. Class A can be as long as 75 feet, and these include luxury coaches, buses that have been converted, and motor coaches. Class B describes travel trailers and camper vans, and Class C is for smaller vehicles, including fifth wheels and those where the camper extends over the cab.
You can, like with automobile insurance, obtain liability, comprehensive, collision, underinsured and uninsured motorist protection, but unlike with car insurance, you can also purchase coverage to protect your RV at campsites and while on vacation. You can obtain full-timer coverage if you live in your RV permanently, and you can buy protection to provide towing and other emergency services.
Bob Korvas Agency Inc. Provides Experienced and Knowledgeable Service
The Bob Korvas Agency has served the residents surrounding the area of Niles, IL and can also write policies for RV owners in Arizona and Wisconsin. Contact us today, and speak to one of our friendly agents about how we can meet all your RV insurance needs!