What does RV Insurance Normally Cover?
If you have an RV for personal, recreational use, you can normally insure it for up to 260 days per year. Your policy will be based on the class of your RV, and will be based on its value. You can base your coverage on the stated, market value, the agreed value for which it is insured, or how much it would cost you to replace it. Cordell Insurance in Baton Rouge, LA can help you find a policy based on your needs.
Liability coverage is standard and required by law, and covers you in case you involved in an accident. Your policy will have limits for property damage, medical bills, and underinsured claims much the same way regular automobile insurance does. Many of your personal effects will be covered, such as personal items like clothing, and may or may not include roadside assistance.
How Can I Get Extra Coverage to use my RV as a Residence?
If the situation is only temporary, you might want to choose Vacation Liability. This covers your damages if you stop driving and use your RV as a home for a limited period of time. You may need extra coverage if you are in Mexico, or if you need to store your RV.
If you actually use your RV as a primary or secondary home, you will need full-timers insurance. This kind of policy is similar to a homeowners policy, You will have a comprehensive policy which covers everything from theft, to vandalism, to fire or broken glass.
If you want to purchase a comprehensive insurance policy for your RV, of if you just have questions, call Cordell Insurance, proudly serving Baton Rouge, LA.