If you carry only the minimum insurance for your RV, you probably don’t have the protection you need. Here’s a look at what kinds of insurance you should think about for your RV, so you’re not left with gaps in your coverage that could cost you thousands.
Your RV Insurance May Not Be Giving You Full Protection
Most folks in West Virginia know that they need to carry the minimum auto liability insurance for their RV as a registered vehicle. You must have at least this coverage to drive legally:
- Liability insurance - $25,000 per person
- Liability insurance - $50,000 per accident
- Property damage - $25,000
- Uninsured motorist coverage - $25,000 per person
- Uninsured motorist coverage - $50,000 per accident
- Uninsured motorist property damage - $25,000
Of course, we recommend that you carry this insurance to remain legal and to protect both you and other motorists. In fact, we suggest increasing your liability coverage above those amounts to account for today’s higher cost of medical care and vehicle replacement after a serious accident.
You should also have full coverage for collision and comprehensive, which covers you in the event of accidents requiring repairs to your RV, vandalism, theft, and damage due to severe weather or fire.
But having liability insurance and full coverage isn’t enough, given that your RV is your home on wheels when you’re on the road.
Why Property Insurance for Your RV Is Vital
Just like insuring your home, condo, or rental residence, you want to have property insurance for your RV. This covers the contents of your RV should it become damaged or lost, including items like:
- Small appliances
- Personal belongings
Be sure to let your agent know about any valuables you take with you in your RV, like jewelry, which requires scheduled coverage for extra protection.
What Other RV Insurance Should You Consider?
There are other kinds of RV insurance you may wish to add as well, such as:
- Pet insurance, if your four-legged friends travel with you
- Extra coverage for items you tow behind your RV
- Roadside assistance, in case you become stranded on the road
Let Us Tailor an RV Insurance Policy to Your Usage
Everyone uses their RV differently, so your insurance policy should be unique to you. Our independent agents at Wickline Insurance will tailor your coverage to how and where you use your recreational vehicle. Call us today at 304-252-1483 to make sure your RV property insurance gives you the protection you need, along with your other RV coverage. You can also start a policy online any time, and we’ll follow up to make certain you don’t have any coverage gaps.