Forget planes, trains, and hotels – you’ve got your very own home on wheels, and it can take you nearly anywhere the road may lead. Nothing offers spontaneity and adventure quite like owning an RV. You can pick up and go at a moment’s notice without worrying about sold out rooms or overpriced tickets. Of course, the RV lifestyle does come with some risks. Fortunate for you, we here at AFI Insurance can help you find a policy that is suited just for your unique needs and preferences.
Who Needs RV Insurance?
Accidents happen – even to the safest and most experienced drivers. In fact, accidents can happen to your RV even when it is stored or parked at a campsite. Whether a fire destroys your rig, a tree falls through the roof, or a guest is injured while visiting your motorhome, having the right insurance can help you avoid the financial pitfalls of major damages, loss, and lawsuits.
There are certain situations where RV insurance is required. For example, the state has certain liability requirements for all motorized vehicles. Lenders may also require you to protect their financial interests by insuring your RV with collision and comprehensive coverage until you pay off the balance of your loan.
Types of RV Insurance Coverage
There are several different types of coverage in a typical RV insurance policy. Although the exact details of your coverage may vary, your policy may include protection against:
Bodily Injury and Property Damage Liability
If you cause an accident while operating your RV, you can be held responsible for the injuries and property damages. Liability coverage helps pay for accident-related expenses, including your court costs and legal defense fees, up to the limits in your policy.
Standard liability coverage does not cover incidents that occur while your RV is parked and being used as a temporary residence. For that, you need vacation liability, which covers accidental injuries that occur in your RV or around your premises.
Collision and Comprehensive
These two coverages are separate from one another, but together they cover most physical damages to your RV, whether due to an accident or a non-collision event. Collision coverage pays for damages stemming from multiple-vehicle accidents and RV rollovers, whereas comprehensive coverage pays for damages related to things like theft, vandalism, falling objects, weather events, and more.
If you are injured by a driver who has no insurance, uninsured motorist protection can help cover your medical expenses. We typically recommend pairing this with underinsured motorist coverage, which helps pay your expenses when an at-fault driver has too little coverage.
Medical payments coverage provides financial relief for the medical expenses of you and your passengers, regardless of who is at-fault for the accident.
If your RV awning is damaged, this coverage can pay for the replacement and installation of a new one wherever you may be.
Chances are you bring many personal belongings with you on your travels. If they are damaged or stolen, you can file a claim against your RV insurance personal belongings coverage, which may be more affordable than filing against your homeowners insurance.
When things don’t go as planned, trip interruption insurance can help pay for a hotel room, food, and emergency transportation so you can get home safely.
It’s not just large motorhomes we insure here at AFI Insurance. Perhaps your recreational vehicle is a little smaller – say, a pop-up camper. Though your coverage needs may be a bit different than those who own an RV, we can still help you find a policy that protects your investment.
Like RVs, campers can catch on fire, be involved in a highway accident, or even suffer damage sitting in your driveway. Your personal belongings could be stolen from inside of it, or worse, someone could be injured while in or around your camper. For all of these scenarios, you need camper insurance to minimize your financial risk exposure and losses. We can help you build a camper insurance policy that protects you against liability, collision, comprehensive damages, and more.
Save Money on RV and Camper Insurance
Choosing a high deductible for your policy usually provides instant savings on RV insurance, but if you are hoping to save a lot more cash on your RV or camper insurance premiums, start by working with an independent agent at AFI Insurance. We search and compare coverage from multiple Illinois insurance companies to find an affordable RV insurance policy that fits your needs. Then, we look for available discounts you may qualify for. Examples of common RV insurance discounts include:
- Safety equipment device discounts
- Claims-free discounts
- RV safety course discounts
- Bundling discounts (when you combine RV, auto, and home insurance with the same carrier)
Owning an RV is not the same as owning a car. You have very different coverage needs – we get that. We also know how important it is to find coverage that reduces your exposure to risk. That’s why we thoroughly evaluate the individual factors that influence the amount of protection you might need. Examples include:
- The type of RV or camper you own
- How often you use your RV
- Where you take your RV
- How many passengers travel with you in your RV
- And more
For more information about how an independent agent can help you save on Illinois RV insurance, contact our office today. We look forward to serving you soon.