| "body"> | | | | uninsured motorists. Total loss coverage ensures that |
| Recreational vehicle (RV) insurance policies are more | | | | if the RV is damaged beyond repair, the insurance will |
| complicated than either car insurance or homeowner's | | | | cover the cost of its replacement. This type of |
| insurance policies. RV insurance policies blend aspects | | | | insurance protects the RV owner from any liability |
| of car and homeowner's insurance to guarantee that | | | | for injury or damage that may occur in the direct |
| all aspects of the RV are covered. There are | | | | vicinity of the RV in a campsite. |
| different types of RV insurance policies that provide | | | | Since RVs can be dwellings as well as vehicles, the |
| different amounts of coverage. Some basic policies | | | | property inside the RV should also be covered. The |
| mainly cover the vehicular aspects of the RV, such | | | | law does not require this coverage, but it is a good |
| as collision and liability. Other RV insurance policies also | | | | idea, especially for people who live primarily in their |
| cover items within the RV, such as plumbing and | | | | RV. RVs contain items that cars don't have, such as |
| appliances. It is important that RV owners get as | | | | furniture and appliances. If the RV is damaged |
| much coverage as they can afford since RVs are | | | | extensively, these items could require repair or |
| both vehicles and living spaces, and both aspects | | | | replacement. Other items such as plumbing and |
| need to be insured. | | | | electrical components of the RV can also be insured. |
| RV drivers are required by law to have liability | | | | Many people store things like clothes, TVs, |
| coverage, just like people who drive conventional | | | | computers, and camping gear in their RVs. Just like in |
| vehicles. This protects other drivers that the RV may | | | | a home, these items can be damaged or stolen while |
| collide with, ensuring that if the RV inflicts damage on | | | | on the road, so it is a good idea to purchase |
| another vehicle, that damage will be paid for out of | | | | insurance for them. Many RV insurance policies are |
| the RV driver's insurance. Liability coverage is the | | | | designed for people whose RV is their primary |
| bare minimum required by most states. | | | | residence. These policies cover all vehicular and home |
| Collision insurance covers any damage to the RV if | | | | aspects of the RV. |
| any type of collision occurs. Another important type | | | | RV insurance policies are complicated, but it is vital |
| of coverage is uninsured driver insurance. This type | | | | that RV owners purchase the right coverage. The |
| of coverage protects the RV driver from having to | | | | bare minimum is not enough for people who live in |
| personally pay for any damages to the RV done by | | | | their recreational vehicle. |