Recreation Vehicle Insurance

September 9, 2014

Spring is almost here. There is nothing better than hitting the open road in your RV.  Don’t forget you need the right kind of RV insurance to protect you. That is where we can help you. Many State laws require you to maintain liability coverage on your vehicle. Here is a schedule of insurance coverage you might consider:

Liability Insurance

Auto Liability coverage, also known as “property damage/bodily injury”, can help cover expenses from damaging a vehicle or injuring a person in an accident.

Collision coverage

Collision coverage helps pay for damage to your recreation vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive insurance helps pay for damage to your vehicle not caused by collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, and flood.

Uninsured or underinsured coverage

This coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs.

Medical payments coverage

Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Rental reimbursement coverage

This coverage helps pay for your rental car or other transportation if the RV cannot be driven due to an at-fault accident or comprehensive claim. This is really important especially if you are out of town.

Towing and labor coverage

Towing and labor coverage reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services. We recommend this on all recreation vehicles.

We can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. We are ready to help you better understand your risks.

Every situation is unique – talk to us today to find out how to get the best price and value on auto insurance for you. Safe Harbor Insurance: Call for a quote today at 360-378-2949.

Serving Friday Harbor, Lopez Island, Oracs Island and Anacortes