An RV is a unique vehicle that can both function as a mode of transportation and home while it is stopped. Because of this dual purpose, insurance coverage for RVs has some differences from both cars and homes. Access Insurance Services provides unique options for RV owners that may not be available from all standard insurance providers.
RVs are required to have basic liability coverage while they are driven on the roads, just like any other vehicle. Owners may also want certain coverage options that protect against lawsuits, theft, damage, and other accidents that can happen to homes. As a general rule, RV insurance liability coverage amounts are also higher than they are for regular cars due to the possibility of more passengers being carried inside. It is also important that you have a separate policy just for your RV that is unrelated to homeowners or auto coverage, as agencies that offer RV insurance should treat this as a specialty that is different from standard bundled insurance options. This is because factors such as where the RV is parked while on vacation and the condition of the appliances inside are all relevant to insurance coverage, and the owner should be protected in all of these kinds of situations that would not normally occur with a home or car. RVs also contains a number of fixtures and retractable items that can potentially be damaged.
Make sure your RV is covered today
If you need coverage in the San Antonio, TX area, an agent from Access Insurance Services can offer a number of different options for your RV.