Recreational Vehicle Insurance - Althea Johnson Agency - Hicksville, NY

Recreational Vehicle Insurance

Good RV Insurance Coverage


Good Recreational Vehicle insurance gives one ample protection for the ownership and operation of RVs. It also provides assistance to the insured for accidents and other various covered perils that can result in the partial or even complete destruction of an RV and one’s personal belongings within. This normally includes natural events and human actions that lead to loss. As a result of good RV coverage, your vehicle can be repaired or replaced, allowing you to get back on the road quickly.

Who benefits?

This type of coverage is what the name would obviously suggest and that is protection for those who own and operate a conventional motor home or other vehicle, like an ATV or a camper. To legally drive these kinds of a vehicle, whether it is for a long road trip or for just a weekend of fun at the local sand dune, one must purchase this kind of insurance coverage. Towable RVs are also covered, like trailer campers, pop-up tent trailers, and more.

How it functions

In order for an RV owner to receive compensation after a claim is filed with the insurance provider, he or she must, of course, have been regular in the payments of premiums. After a claim is filed, the insurance company will usually begin an investigation to be sure that the claim is a legitimate one and to also ascertain the cause of damages and then to estimate the expense of the repair or replacement.

Types of coverage

“Total loss replacement” is the kind of coverage that provides the approximate amount of value in order to fully replace a damaged recreational vehicle with one that is brand-new. The sum is contingent upon the latest assessed market value of the vehicle that is being replaced. “Replacement cost personal effects” coverage is similar but is designed to replace any personal items that may have been stolen, lost or damaged. This generally includes items like jewelry, electronic devices, appliances, and even furniture. It is important that the policyholder retain a detailed inventory of valuable belongings that are on aboard the RV. There is also insurance coverage that includes mechanical repairs and roadside assistance should the RV break down.

The Benefits

RV insurance often provides policyholders great relief from what would often otherwise be significant out-of-pocket outlays for repairs that are a result of accidents with other vehicles or objects, as well as those that are a consequence of a myriad of other perils. A big benefit is the built-in protection for recreational vehicles that are stolen and not recovered. In these instances, the RV can be replaced with a similar model. It is wise to remember that RV owners can also reap the invaluable plus that is the peace of mind in the knowing that they are protected while away from home, enjoying friends and family. RV owners can also be covered for vandalism that can occur while on camping grounds and other remote places. Talk to an insurance agent today for more information.