3 RV Insurance Tips To Know Before You Hit The Open Road

Like most insurance, RV insurance is intended to help protect you against loss regarding your recreational vehicle. But, did you know it doesn’t stop there?

The dependable agents at Johnsen Insurance serving Baraboo, WI know that Recreational Vehicle RV insurance doesn’t just protect you for a large RV unit. It also protects your small camper or even that fifth-wheel trailer. Some policies even cover a camper on your truck.

Let’s talk about 3 RV insurance tips to know before you hit the open road.

  1. Some states require that you have insurance simply to drive the RV through the state. It’s true that most only require liability insurance similar to what you would get on your automobile, but you need to check the state’s requirements before passing through.
  2. What Is Covered? If you cover your RV with an auto policy, it is only going to consider that it is a car. It will not cover the living space. This is huge since part of that living space includes a kitchen and a bathroom where things could happen that will make you glad you have the coverage.
  3. Know the types of RV insurance – Your agent will first ask you how you plan on using the RV. You may need full coverage or simply a liability policy will do the trick. But, it goes beyond liability and comprehensive coverage for an RV. When it comes to Recreational Vehicles, there is a part-time or a full-time option depending on whether you live in the RV or only use it for an occasional camping trip. You may want to add vacation insurance as well.

Contact Johnsen Insurance serving Baraboo, WI to find out everything you need to know about RV insurance and to make sure you have the coverage you need.

What are the benefits of getting RV insurance?

In the Baraboo, WI area, owning an RV can be a great investment. When you are an RV owner, it will give you a comfortable place to sleep and a safe transportation mode. When you are in the market for a new RV, it is also vital that you spend time thinking about your insurance needs. Several benefits come when you get proper insurance for your RV. 

Ensures Compliance

A primary reason people should get RV insurance is to ensure they remain in proper compliance. Anyone that owns an RV and drives it on a public road will need to meet the state minimum requirements for driving liability coverage. This type of coverage will be included in your RV insurance policy. Additionally, if you have a loan that was used by the RV, you will need a full RV insurance policy with comprehensive protection.

Protects Valuable Asset

Another reason that people should get an RV insurance policy is that it will cover their assets. Anyone that purchases an RV will have to make a large investment, which needs to be covered and protected as well as possible. When you get a full RV insurance policy, it will give you coverage if the RV is damaged or stolen.

Anyone looking for a new RV insurance policy in the Baraboo WI area should make sure that they get the proper guidance and support. One company that can answer all of your questions about RV insurance is Johnsen Insurance. The team at Johnsen Insurance can answer your questions and address any concerns that you have. They can then help you build a policy that will provide you with the right type and level of coverage.