RV Insurance 101: Why Should You Buy it?

Do you think that RV insurance is an unnecessary expense? You’re not alone. Many people believe that since their RV is paid off, they don’t need to insure it. But if something happens while you’re on the road, that "unnecessary" expense could save you a lot of money. All-Star Insurance Brokers Inc. in Aurora, CO can provide you guidance on the benefits of RV insurance and why it’s essential.

Here are a few reasons why:

Liability Protection

If you’re in an accident and it’s determined that you’re at fault, your RV insurance will cover the damage to the other vehicle. It will also cover any medical expenses for the other people involved in the accident. If you don’t have RV insurance and are at fault, you could be responsible for paying all those expenses out of pocket.

Collision and Comprehensive Coverage

If your RV is damaged in an accident or by something other than a collision (like fire, theft, or vandalism), your comprehensive collision coverage will pay to repair it. If your RV is totaled, you’ll receive the actual cash value of your RV minus the deductible. Again, if you don’t have this coverage, you’ll be responsible for paying for repairs or replacement out of pocket.

Towing and Roadside Assistance

Towing and roadside assistance can be quite expensive. If you have RV insurance, these services are usually covered by most policies. But if you don’t have the coverage, you’ll be responsible for paying for it out of pocket if your RV breaks down on the side of the road.

Personal Property Coverage

If you keep any personal belongings in your RV, they may not be covered by your auto insurance policy. But if you have RV insurance, your personal belongings will be covered if damaged, destroyed, or stolen. The last thing you want is to lose your belongings while you’re on the road with no way to replace them.

Purchase RV Insurance Today

RV insurance is essential coverage to have if you own an RV. It can protect you from financial ruin in the event of an accident or other mishap. And while it may seem like an unnecessary expense, it could save you a lot of money in the long run.

So make sure you’re properly protected by contacting All-Star Insurance Brokers Inc. in Aurora, CO today to purchase RV insurance. We’ll ensure you’re properly covered so you can relax and enjoy your time on the road. Give us a call today to get started!