Travel Trailer RV Insurance to fit your budget and needs
Travel Trailer, Camper & RV Insurance in Decatur, GA
How Do You Know If You Need RV Insurance For Your Camper?
Recreational vehicles, or RVs, come in many different styles and sizes. RV choices include motorhomes, fifth wheels, popup camps, and travel trailers. Depending on your RV, you may or may not need RV insurance.
Insurance is usually unnecessary if you need another vehicle to tow the RV. If you can go from point A to point B in your RV without the assistance of another vehicle, you will almost certainly need to insure it. To put it another way, every vehicle you drive on the road, including RVs, must be insured. To lawfully drive on the road, you must have the minimum liability coverage required by your state. More coverage is available, but it is optional unless a lender requires it. Only a lender can demand full coverage in order to guarantee its interest. Therefore if you took out a loan to buy your RV, the lender would likely require full coverage.
With so many different types of recreational vehicles available, a single policy cannot always cover them all. This is generally not a worry unless you own many campers. If you can afford it, you probably have more pressing concerns than being able to insure them properly. Call Focus Insurance Group to get an RV insurance quote or learn more about your RV insurance options in Decatur!
Types of Insurance Coverage for RVs and Campers
- Bodily Injury
- Property Damage
- Uninsured Motorist
- Personal Injury Protection (PIP)
- Property Protection
Campers typically only have comprehensive and collision coverage as standard offerings.
Specialized Coverage Options
Companies frequently provide customized coverage in addition to the usual range of coverage on RV plans. Specialized coverage might be helpful in the event of a loss. Customizations and personal items can be expensive and should be considered when buying RV coverage.
Most insurance providers provide additional optional coverage for both RV motorhomes and campers:
- Total Loss Replacement
- Custom Equipment
- Vacation Liability
- Roadside Assistance
- Mechanical or electrical breakdown
- Battery failure
- Flat tire
- Running out of fuel, oil, water, or other fluids
- Entrapment in snow, mud, water, or sand within 100 feet of the roadway
- Personal Effects