For Indianaites, the RV life opens up many possibilities for travel, exploration, and extended vacations. Are you a snowbird who enjoys spending winters in warmer climates? Perhaps you enjoy spending summers on the road with the kids. Whether you are storing your fifth-wheel away for the off-season or hitting the road with it every other weekend, make sure your RV and trailer insurance has you covered for every possible risk. Though anything could go wrong when you own an RV or camper, we here at Insurance Broker Direct can help you find insurance that has you covered no matter what comes your way.
Types of RV, Camper, and Trailer Insurance
There are two primary types of RV insurance — full timer’s insurance and recreational insurance. You typically need full-time insurance if you live in your RV, camper, or trailer more than 6 months out of the year. For everyone else, recreational insurance is the solution. Though every person’s insurance needs are different, there are certain types of coverage that are common in most RV insurance policies. Examples include:
Collision and Comprehensive Insurance
If your RV or trailer collides with another vehicle or it gets hammered by a fallen tree, the damages could add up to thousands of dollars. Collision and comprehensive insurance helps cover the cost of repairs or replacement after an accident or some other covered event, such as fire, theft, or storm. Simply pay your deductible, and leave the rest to your insurer.
Liability
How much damage could an out-of-control fifth-wheel do to a small compact car? If you are at-fault for an accident that causes a victim to suffer injuries or property damage, you will need liability insurance to help cover your financial obligations. From legal fees and medical bills to judgments and settlements, liability insurance can help safeguard your income and assets from a major financial setback.
Roadside Assistance
There are many reasons you might find yourself in need of roadside assistance while on vacation. It could be that you popped a tire and didn’t have a spare. Perhaps you faced mechanical failure that required your RV to be towed to a repair shop. Roadside assistance helps cover these types of unexpected problems and more 24 hours a day.
Emergency Expenses
You leave home with all of the food you need in your RV, which is also your mode of transportation and your shelter while traveling. Everything you need is in your recreational vehicle, so what would you do if it suddenly broke down or became inhabitable? Emergency expense coverage helps pay for temporary shelter, food, and travel expenses when you are unexpectedly stranded more than 100 miles from home.
Personal Belongings Coverage
Losing your trailer to a fire or theft could also mean losing many of your personal possessions inside of it. From your personal electronic devices to your wardrobe, personal belongings coverage can help you replace all that you lost.
Trip Liability
Did you know you can be held liable for injuries sustained inside of your RV? Just like home, anyone who gets injured while visiting your trailer or camper at a campsite could sue you for medical expenses and other losses. Trip liability ensures you are covered for anything you could be held responsible for up to the limits of your policy.
RV and Trailer Insurance in Lafayette, Indiana
We here at Insurance Broker Direct understand the unique risks and coverage needs of fifth-wheel and motorhome owners. As an independent agency, we search for policies that take care of your RV bumper to bumper – all at an affordable price you can afford.
For more information about RV, trailer, and camper insurance or to request your free quote, contact our office today.
