What Does RV Insurance Cover?

The type and amount of RV insurance that you need will depend on how you use your vehicle. Additionally, the policy you choose is going to determine what is covered. If you need help deciding what RV insurance policy is right for you, Jim Boyce Insurance serving Charlotte, NC can help. However, some basic information about these policies can also be found here. 

Basic RV Insurance Coverage 

Usually, a basic insurance package for your RV will include the following:

• Liability coverage: This will pay for someone else’s property damage and medical bills if you cause an accident.
• Comprehensive and collision coverage: This will help to cover any repairs for damages that occur to your RV in an accident that was your fault. Also, comprehensive insurance will replace the RV if it is stolen or provide the funds for repairs related to non-collision damage from things such as fire, vandalism and falling debris. 

Additional RV Options for Insurance Coverage 

There are usually add-ons that you can have applied to your RV insurance policy, depending on your specific needs. Some of the most common add-ons include:

• Bodily injuries: If you are involved in an RV accident and incur thousands of dollars in medical expenses, your RV insurance can pick up the slack if you don’t have enough health insurance coverage. 
• Valuables/belongings: Chances are you keep a number of items in your RV and if they are stolen or damaged, they can be paid for with this coverage option. 

You can speak with your insurance provider to find out the best options for your insurance policy. In fact, feel free to contact the staff at Jim Boyce Insurance serving Charlotte, NC to learn more about RV insurance options that are available today.