Your standard car insurance policy may cover recreational vehicles. Even so, it is a good idea to have RV insurance to help protect your RV from specific risks that can occur with your recreational vehicle or travel trailer. Cordell Insurance of Baton Rouge LA has options to help keep your RV insured and covered in the event of an accident.

There are 2 main types of RVs – motorhomes and travel trailers. Insurance requirements vary between them. Motorhomes typically must have cooking appliances, refrigeration, a bathroom, heating and/or air conditioning, a drinkable water supply system and 110 – 125-volt electrical system to qualify. Travel trailers are towed behind other vehicles and are non-motorized.

Typically the only requirements for trailers are a cooking facility and sleeping quarters to qualify. It is important to know the type of vehicle you seek coverage for.

RV insurance has different types of coverage and many are optional. Your insurance agent can help you customize your policy to fit specific needs. Types of coverage that you can choose from typically include:

Liability insurance 
In the event of an accident where you are at fault, this will help protect you against costs associated with bodily injury and property damages. This type of coverage is a minimal requirement in most states.

Comprehensive
This will keep your RV covered in the event of non-collision incidents such as fire or theft.

Collision 
This is for standard collision damages that occur in accidents.

Roadside assistance
Optional coverage that can help with mechanical issues while on the road.

There are several options to choose from when purchasing insurance for your RV. Typically, RVs are an expensive investment and it is wise to make sure your assets are protected by the best insurance at the most affordable rates. Visit Cordell Insurance of Baton Rouge, LA today to discuss options and pricing with one of our agents. We are here to help with all your needs.