How to Choose the Right RV Insurance for Your Travel Style

Do you love traveling and exploring new places? Owning an RV can be a great way to enjoy the freedom and comfort of the road. But before you hit the highway, it’s wise to have the right RV insurance. That way, you’ll protect your vehicle and find composure behind the wheel.

RV insurance isn’t the same as car insurance or home insurance. It protects RV owners from different problems and costs. These depend on how you use your RV. That’s why you need an expert to help you find the best policy for your needs and budget.

At Horan, we have been writing RV insurance policies for CNY residents for years. We know the ins and outs of the RV industry and the challenges RV owners face. We can help you find the best option and make your coverage fit your RV. It matters how you use your RV, where you go, and more.

This article will tell you how to pick the right RV insurance for your travel style. It will also tell you what to think about when you look for a policy. You may have a small or big RV. And you may use your RV part-time or full-time. Don’t worry. We have the answer for you. Keep reading to learn more!

RV Insurance for Motorhomes Versus Towable Trailers

One of the first things to consider when choosing RV insurance is your travel style. How often do you use your RV? Where do you go? How long do you stay? These factors can affect the type and amount of coverage you need. In Central New York, people have different types of RVs to suit their travel preferences.

Some of the common ones are fifth wheels, travel trailers, pop-up campers, and others. These are RVs that you pull behind a vehicle, which is why they’re called tow behinds. They’re not registered for road use, and they don’t need a separate auto insurance policy. The policy of the vehicle that is towing the RVs also covers them. But a motorhome is different from these RVs.

A motorhome is an RV you drive. It has its own engine and wheels. Since the DMV registers it for road use, it needs a full-blown auto insurance policy. The policy of another vehicle doesn’t cover it.

Essential Insurance Coverage for Tow Behind RVs

As an RVer, you know that different types of RVs suit different travel styles. For this article, we’ll focus on tow behinds: RVs you pull with another vehicle. These RVs are not self-propelled and don’t carry liability insurance. You can only protect them for property damages, such as

• theft
• vandalism
• fire, or
• collision

That’s why you need to consider comprehensive and collision coverage for your RV. These coverages pay for repairs or replacement of your tow behind RV. They cover damage from events you can’t control or collisions with other vehicles or objects.

How Comprehensive Coverage Works for RVs

Say you love taking your RV to the Adirondacks. You enjoy the natural beauty of the mountains, lakes, and forests. Parking your RV among the trees so you can go fishing and hiking during the day is a routine. You feel relaxed and happy in the wilderness.

But one day, you return to your RV after a long hike and find a shocking sight. A tall tree has fallen on your RV and crushed it. The tree caved in the roof, shattered the windows, and destroyed the interior. You’re stunned and devastated. Your RV is your home away from home, and now it’s ruined. You have no place to sleep for the night and no way to tow your RV back home.

What do you do in this situation? Who do you call?

The answer is comprehensive coverage.

It can help you pay for the repair or replacement of your RV. It covers damage from events you can’t control. For example, falling objects like old trees.

How Collision Coverage Works for RVs

You’re excited to visit a new campground far from home. You’ve heard great things about it, and you want to explore the area with your RV. You’re towing your RV with your truck, and you’re following the directions to the campground.

There’s a sharp turn up ahead. When you come to it, you think you can make it. So you slow down and turn the wheel. You don’t see the low tree limb hanging over the road. You pull through with confidence. The tree limb scrapes the entire side of your RV, creating serious damage.

You hear a loud noise and feel a jolt. You stop and get out of your truck. What you see shocks and upsets you. Your RV has

a dent, scratches, and a huge tear. You’ve hit something while towing your RV.

What do you do in this situation? Who do you call?

The answer is collision coverage.

It can help you pay for the repair or replacement of your RV. It covers damage by a collision with another vehicle or object.

With comp and collision, you can call your insurance agent or carrier. They’ll send an adjuster to check the damage. Then the insurer will pay you what you deserve for your repairs.

After an accident, you can rest assured you’re not alone in your situation. You have someone to help you deal with the damage and get you back on the road as soon as possible. You can also save yourself from paying thousands of dollars out of pocket for a new RV or a major repair.

Comp and collision coverage is optional. But they can make a big difference in your RV travel experience. They can protect you from unexpected events that can ruin your RV and your trip.

Protect Your RV and Enjoy Your Trips with the Right Coverage

RVing is a great way to enjoy the beauty and diversity of Central New York and other parts of the Country. You can visit amazing places, meet new people, and have fun with your family and friends. But RVing also comes with some risks and challenges.

You never know what might happen on the road or at the campground. Stay prepared by having the right coverage for your RV.

If you have comp and collision coverage for your RV, you can travel with confidence and peace of mind. You can explore the states without worrying about what might happen to your RV. You can relax and enjoy your trip, knowing you’re covered in case of an accident or a mishap.

But if you don’t have these coverages, you may face serious problems and expenses if your RV gets damaged. You may have to pay thousands of dollars out of pocket for a new RV or a major repair. You may end up ruining your trip and losing your RV.

Don’t let that happen to you. Protect your RV and your travel style with comp and collision coverage. They’re optional, but they’re worth it.

To get customized RV coverage that fits your needs and budget, click the Get a Quote button below. One of our RV insurance specialists will contact you to discuss your options.

Want more insights on RV insurance? Learn how to save money on your CNY policy without sacrificing coverage.