| Actually RV and motorhome insurance is not as | | | | the road accident, but also an accident that may |
| expensive as you may think in many cases. This is | | | | arise while you are parked in a campground. Most RV |
| especially true if you shop around and do your | | | | insurance policies have the former, but many lack the |
| homework rather than just accept the first policy | | | | latter kind of insurance. But suppose someone slipped |
| that comes your way. Of course, this kind of due | | | | and fell coming out of your RV while it is parked, or |
| diligence can be a little time consuming, but it is often | | | | was injured in some other way on your campsite |
| well worth it. You also don't want to just get away | | | | while staying overnight? It can be a wise choice to |
| with as little insurance as possible, especially if you | | | | have the added coverage that provides for just such |
| happen to live and travel in your motorhome. Your | | | | situations. |
| goal instead is to get the most coverage for the | | | | Also examine what the personal property damage |
| best price. | | | | coverages are in your RV insurance policy. The |
| Of course you will want to have collision coverage | | | | typical amount of property damage coverage is very |
| for any RV that you use on the open road, as | | | | small and wouldn't even begin to cover all of your |
| accidents can happen anywhere and without warning. | | | | valuables and possessions in the case of a major |
| But you need to ask about what kind of collision | | | | accident. And if you carry a lot of expensive things |
| coverage you are getting. For instance, if the entire | | | | with you as you travel, you may find that you would |
| RV is destroyed or damaged too badly to be | | | | not have enough provided by your insurance |
| repaired at a fair cost, how much will you receive for | | | | coverage to replace them if they were destroyed. |
| it? If you don't have a policy that provides for | | | | Oftentimes increasing this kind of coverage is not |
| replacement cost, you may wind up receiving a much | | | | very expensive, so why not investigate it and see |
| smaller settlement that will be inadequate for buying | | | | what is offered? |
| another comparable RV to replace it. So be sure to | | | | Finally, be sure to inquire about any and all discounts |
| ask and if it costs more to get this kind of total | | | | that are available to you as a motorhome owner. |
| replacement coverage, it's often a good idea to go | | | | Many insurance companies will offer discounts for |
| ahead and get it anyway. | | | | good driving, for non-smokers, for anti-theft devices |
| Another important coverage for motorhome owners | | | | and more. It never hurts to ask and see if you can |
| to consider is personal liability insurance that covers | | | | get quality coverage for less. |
| not only a personal injury claim resulting from an on | | | | |