Your recreational vehicle, or RV, is not only a vacation on wheels for you and your family but it is a large investment that you have made and will want to protect. Whether you travel the country in your RV or live in it, you will want to ensure you have the coverage needed to replace or repair it if a disaster, accident, or theft occurs.
The state of Louisiana requires that you have liability insurance for vehicles that you own and drive on the roadways which include your RV. Your auto insurance liability policy should cover you while you are driving your RV but it will not cover damages your RV can incur due to an accident, vandalism, or disaster which is the reason you will want to have more coverage on your investment. An RV that is towed and not driven will not be covered under your liability policy at all so you will definitely want a policy that coverages repairs or replacement costs. If you live in your RV, you will need more coverage so that your personal belongings are also covered, much like a homeowner’s policy.
Liability coverage will not replace or repair your RV but will cover damage or injuries you cause in an accident with your RV. Uninsured and underinsured motorist coverage will ensure that if your RV is involved in an accident that is caused by someone without insurance or not enough, damages to your RV will be covered. which covers you for damage or injuries you cause with your RV. Comprehensive coverage will protect your RV even when it is parked from damages caused by vandalism, weather-related events, or a fire.
In Baton Rouge, LA, the agents at Cordell Insurance are experienced and ready to create the RV policy you need to protect your vacation on wheels for years to come.