If you currently drive a car or truck and carry an insurance policy on it to protect yourself and other drivers, then you may think there's nothing else to consider when it comes to insuring your new RV. In reality, however, insuring an independently driven recreational vehicle is something that warrants additional consideration. Take a look below to learn more about just three types of coverage that all RV owners can benefit from.
Comprehensive coverage protects you in the event that something other than an accident causes damage to your vehicle, as well as in situations in which your vehicle is stolen. But for drivers of cars and trucks who have a short commute and park their vehicle in a locked garage, comprehensive coverage may feel like overkill. The same can't be said for RV owners, who are more likely to encounter situations where their RV is easily damaged: hail storms, falling tree branches, and flash floods are just a few examples. Don't assume that your RV will always be protected; instead, consider adding comprehensive coverage before your next extended road trip.
Roof protection insurance is another kind of coverage that you will likely encounter for the first time when shopping for an RV insurance policy. RV roofs are especially vulnerable to damage that can be caused by debris, piles of snow, or heavy rainfall. The damage may not be evident right away, but you'll be thankful for having added roof protection insurance to your policy when you notice a broken seal or punctured seam.
Yet another kind of insurance add-on that is unique to RV policies is pest protection. Unfortunately, this is for good reason — it is all too common for RV owners to suddenly spot signs of pests in and around their homes on the road. Bird nests, insect droppings, and chewed electrical wiring are all clear signs that your RV has already been infested with pests, and that it may have already suffered additional damage that has gone undetected. In order to protect your RV (and your wallet) from the damage caused by everyday pests, it is a smart idea to consider adding pest protection to your RV insurance policy.
Purchasing an RV can allow you a lifetime of unforgettable adventures, but make sure to start off the right way by considering important types of RV coverage. Contact a service that offers RV insurance coverage to learn more.