In today’s world, RV’s have risen to a new level of luxury and so have their purchase price.

Many come with high-end options such as outside kitchens, sophisticated electrical features such as electric awnings and slide-outs, and even small dishwashers. It is not uncommon for some of these rigs to be nicer than most people’s homes. With these amenities, it can be costly to replace your RV should disaster strike.

Did you know that you will need RV insurance on your new camping rig?

Here are some things to keep in mind when shopping for the correct RV insurance:

• If you have to drive it, you need to insure it
• If you have a Class A, B, or C motorhome, you will need coverage
• If you are towing a camper that is not drivable, your vehicle insurance should extend to your camper
• Many states require RV owners to carry a minimum amount of liability insurance
• Most policies also cover comprehension and collision
• When financed, just like a vehicle, insurance is required
• Even when renting an RV for a week, carrying coverage is mandatory
• If damages occur from a natural disaster, theft or vandalism, your RV policy can cover the loss in most cases
• Always carry at minimum uninsured and underinsured coverage
• If you are concerned about your personal belongings, make sure to ask how they can be protected as well

A good camper and even a glamper is prepared! Don’t let disaster damper your camping activities!  Before hitting the road, make sure you have your RV protected to protect your investment.

At Steely & Smith, our team of insurance experts can help you ensure that your recreational vehicle is insured correctly!

Reach out to us today to ask someone on our team to help you confirm you are carrying the proper amount of recreation vehicle insurance to meet your camping needs.

Note: This information is general in nature and should not be construed as professional insurance advice. You should work with your insurance agent to determine what will work best for your situation.