Now Is The Time to Get It!
RVs are among the most popular modes of transportation for many people and families in America. For most, RVs operate as the home away from home - if you’re looking to be one with nature and get away from the hustle and bustle of city life, your RV is where you want to be.
Nevertheless, it doesn’t matter much how frequently you use your RV. It is important for you to keep it maintained and protect it from unexpected harm. Just like it is with your car, the best way for you to get started will be to get an insurance policy for your RV.
Insurance provides a specific degree of protection for you and your RV. However, even with that, you should note that not every insurance coverage provider offers the right type of coverage that you might seek. Standard auto insurance companies might not cover everything you need them to, so it’s important to be alert when it comes to RV insurance.
State Laws Do Require RV Insurance
Even if you didn’t want to get insurance for your RV, your state will most likely require you to insure it. Just like auto insurance, most states require that you get proper insurance before you can get your RV on the road.
While there are definitely some special cases, you will most likely need a separate policy if your RV is considered a Class A or Class B motorhome. You will also need to know the right policy to get if you took out a loan to finance your RV purchase or if the RV is a rental.
According to the law, your motorhome should have at least liability insurance if it’s to be on the road. You might not need to get full coverage if you have a loan or want to protect your RV from physical damage. But even if you do not have a loan, that doesn’t necessarily mean that you should opt out of full coverage.
Insurance specifics tend to vary from one state to another. So, if you’re looking to get RV insurance in Colorado Springs CO, you’ll find that the requirements might differ from someone else looking to insure their RV in Utah or some other state.
Safeguard Your RV Investment
Like any home or vehicle, your RV is a significant investment. The vehicle itself is expensive, and it carries a lot of equipment - ranging from your engine and other auto installments to parts such as your electricity and heating systems.
Damage to any of these components will require you to shell out significant sums of money upfront. If you decide not to fix these components in time, then you could be looking at the prospect of riding in an uncomfortable - and even dangerous - RV.
An insurance policy protects you and your vehicle, as well as everything the vehicle houses. This is even more critical for full-time RV owners who keep most of their effects and belongings in their RVs as they move around!
Protecting The Important Stuff
Another important part of understanding the importance of RV insurance is knowing that an RV is more than just an everyday car.
With comprehensive RV insurance, you get to cover more than just repairs for your vehicle if it gets damaged. Whenever you travel, you keep valuables in your RV as well - dishes, clothes, jewelry, money, and other materials. And if it’s a family road trip, then you have other people in the RV as well.
Comprehensive RV insurance protects the people and property in your vehicle. If you have coverage for things like medical payments and other liabilities, then you can help protect your belongings and loved ones from harm at any point in time.
What Type of Insurance Works For You?
One of the biggest decisions you can make when it comes to RV insurance is whether you’d get recreational insurance or full-timer insurance.
As the names suggest, these insurance options usually vary based on how frequently you use your RV. So, what are the lines of distinction here and how do you know which insurance type works for you?
Recreational RV Insurance
If you’re the type to only use your RV for occasional trips, then you won’t necessarily need as much insurance coverage as someone who lives full-time in their RV. This means that you would most likely only need recreational RV insurance.
As a matter of fact, most insurance policies consider this when giving you an insurance policy. But, you should know that you can check your insurance policy from time to time to find out if you will need to change your policy if you decide to start using your RV more frequently.
Full-Timer RV Insurance
If you’re the type of RV user to use their RV for most of the year, then you will need specialty RV coverage - or full-timer RV insurance.
These are policies that tend to have more liability coverage, and much more coverage for your personal property, thus accounting for the additional time you will be spending in your RV.
Most standard RV options might not cover things like accessories outside of your vehicle - satellite dishes, awnings, etc., but with a full-timer RV insurance policy, these things should be covered, and much more.
Ready to Insure Your RV?
The best time to insure your RV was yesterday the second-best time to do that is today!
If you have an RV and would like to find the best RV insurance in Colorado Springs CO, then ECJ Insurance & Financial is where you want to be. We offer the most comprehensive financial and insurance planning available for customers, allowing them to get their affairs in order. With our RV insurance service, you can protect your asset and give you the peace of mind needed to get on the road in your RV today.
Get in touch with us today, and let’s help get your RV insured!
