While they are common road vehicles and usually don’t require special licensing to drive, RVs do need their own insurance. This coverage comes with its own unique set of discounts and must-haves that differ greatly from auto policies. Take a hour to check out your current coverage and watch out for these likely gaps.
Does your insurance currently protect the furnishings and belongings you bring along on your trip? Too many plans only include help with damage to the vehicle itself, not a laptop or flat screen you have inside the cabin.
Watch out for storage clauses. Some insurance plans drop protection while the vehicle is sitting in the off season. Accidents and catastrophes can still destroy a securely stored RV, so go with coverage that remains constant.
Full-time RV users will also need more insurance than those who only go on one or two trips a year. Your insurance company may deny a claim if they are assuming occasional use and they find out you’re on the road every day, so be upfront and get the right coverage.
RV owners in Illinois should give Reta Insurance Agency a call today to get the best plans available.