Owners of Recreational Vehicles Should Get Insurance Coverage

There are some recreational vehicles that are considered both home and vehicle by their owners. If you own one, you surely know that you need to insure your mobile home as you travel on it a lot. Regarding the smaller types of recreational vehicles, should they be insured too?

What are the different recreational vehicles that people use? Here are the most common ones:

a. All-terrain vehicles

b. Boat 

c. Fifth Wheel Motor homes 

d. Snow mobiles

e. Personal Watercraft 

The answer to the question of whether to insure smaller RVs is a sure yes. Off-road vehicles should also come with insurance as you can be involved in accidents while on them. The insurance will protect your expensive dirt bikes, four wheeled all-terrain vehicles and dune buggies. In fact, even golf carts should be insured too. There are small communities that get to one place to another on golf cars. Well, probably, the homeowner’s policy won’t include coverage for any medical expenses as a result of accidents on your off-road vehicle. 

Because of this, you need a special insurance for your recreational vehicle. Here are reasons why such coverage for RV’s should be added to your home insurance. 

a. The standard auto insurance does not cover expensive things you take on the road with you. As such, TVs, laptops, camcorders and other valuable personal items won’t be protected from theft or damage because they are not in “residence premises”. 

b. For instance you take your RV camping. If somebody gets injured or another person’s property gets damaged in the area around your vehicle, you will be held liable for the injury or the damage. 

c. Lastly, your RV won’t be covered in case of damage while plying the route. 

What are the different recreational vehicle coverage options? Coverage includes the following:

a. Physical Injury and Property Damage liability (BI/PD)–This covers accidents where injury to a person or damage to property is involved. If you are liable for the accident, your insurance will pay for the following:

a. replacement or repair to the property

b. medical bills to an injured party

c. lost wage or income of the injured party

b. Uninsured or underinsured motorist (UUM) – the injured person may not possess any insurance or his insurance does not cover enough. This insurance will pay for injuries incurred by a motorist if you are held liable for the accident.  

c. Medical and other Health Miscellaneous Payments – this is helpful if persons inside the car or van are injured or property is damaged inside it.

d. Roadside Assistance (RA)– RA coverage pays for towing and labor costs

You must know that low cost auto insurance for Philadelphia homeowners does not offer enough coverage for incidents involving your RV. Because of this, you should find the best insurance brokerage in the Delaware Valley to end up with proper coverage for your fifth wheel and off-road vehicles.  To help you decide whether you have the right brokerage, you have to ask an auto insurance specialist in Philadelphia to tell you the full extent of the coverage. You really have to do this because not all insurance brokers in Bucks County are the same.  

11:17 AM Share: