You know you need coverage for your RV, but you may wonder if you have enough. At Asheville Insurance Center in Asheville, NC, we offer RV insurance.
Liability Coverage
You are legally required to have liability coverage before taking your RV on the road. If you are responsible for an accident, liability coverage will pay for the damages to the other driver’s vehicle and any injuries they sustain.
Collision and Comprehensive Coverage
Collision coverage will cover repairing or replacing your RV if it’s damaged in an accident. It would be best to ensure you have enough coverage to replace your RV. This means the coverage limit should be higher than the value of your RV.
Comprehensive coverage covers damage to your RV when you aren’t on the road, including theft and vandalism.
If you have a loan on your RV, your lender will probably require you to have both collision and comprehensive coverage. However, even if you don’t have a lien on the vehicle, you should still carry both coverages to protect your investment.
Recreational vs. Full Time Coverage
If you plan on living in your RV, you’ll need to have full-time coverage. To qualify for this coverage, you’ll need to live in your RV for at least part of the year. If you plan on using your RV recreationally, you can choose a recreational policy.
Personal Belongings Coverage
You’ll also need personal belongings coverage, which covers your property inside your RV. You should have enough coverage to replace all the items in your RV. To know if you have enough, make a list of your belongings and their value. Then, add them together.
RV Insurance at Asheville Insurance Center
If you are looking for RV insurance in Asheville, NC, contact us at Asheville Insurance Center. Our agents will discuss your coverage needs and help you choose the right policy.
