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What Is Recreational Vehicle Insurance?

Recreational vehicles (RVs) need insurance just like cars. Whether you rarely use your RV or live in it full-time, RV insurance can provide financial protection from unexpected incidents. Contact Peachstate Insurance in Atlanta, Georgia, to learn about RV insurance coverage.  

What Is RV Insurance?
Like car insurance, RV insurance is a legal agreement between you and your insurer. In exchange for your premium payments, your insurance company is obligated to help pay for covered losses up to your policy limits.  

How Does RV Insurance Work?
If you’re in an RV accident that results in damage to your vehicle or physical injuries and property damage to a third party, you can file a claim with your insurance company. Your insurer will approve or deny the claim per your policy agreement.  

The coverage options you select when buying your RV insurance policy will determine which losses are covered and how much compensation you receive for an approved claim. Generally, more coverage translates to a higher premium.  

What Does RV Insurance Cover?
You may be required to carry liability coverage if you have a motorized RV. The following are examples of the types of liability coverage you may need to meet your state’s requirements:

• Bodily injury coverage can help cover costs (e.g., medical expenses, legal costs) if you’re held liable for causing third-party bodily injury while driving.
  
• Property damage coverage can help pay for third-party property damage you cause behind the wheel.

Although liability coverage may be all your state requires, it could be insufficient to cover the costs of a serious accident. It could also leave you with out-of-pocket expenses if you’re in an accident with an uninsured driver or collide with an animal or inanimate object.

The following are additional RV insurance coverages you should consider:

• Comprehensive insurance
  
• Uninsured/underinsured insurance
  
• Collision insurance
  
• Medical payments coverage (MedPay)
  
• Roadside assistance
  
• Pest damage insurance
  
• Roof protection insurance
  
• Total loss replacement insurance

Where Can I Buy RV Insurance?
The agents at Peachstate Insurance can help you get started. Contact us today for an RV insurance quote and to speak to an insurance agent.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.

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