Few things really encapsulate the American spirit more than the open road and an RV. Having the mobility to explore the country while still maintaining some of the comforts of your own home is a one of a kind experience. However, before jumping into an RV, there are a few considerations that should be kept in mind. Here are a few reasons insurance is a big deal when it comes to recreational vehicles.

3 Reasons Why RV Insurance is Important

RV insurance is just as important as your car insurance policies. Not only do you experience the same risks, but there are additional problems that may come up. Let’s go through a few different coverages you may need before hitting the open road.

State Minimum Liability Requirements

Probably the most important type of RV Insurance is the state minimum requirement. While this varies from state to state, generally, you’re going to be required to meet state minimum liability coverages. You’ll also want to check in with your agent because there’s a chance you might need more than the state minimum coverage to be adequately protected.

Injury Liability

When you’re rolling around in a giant RV, the likelihood of harming yourself or others in an accident is much greater when an accident occurs. The obligation to pay medical bills for an injured party will put a damper on any road trip.

Property Liability

It’s pretty much a given that when an RV collides with something, there’s going to be a lot of damage. The forceful momentum behind an RV is hard to stop and will plow through almost anything in its path. Ensuring that you have enough coverage for property damage, we’ll make sure you don’t have to worry about expensive repair bills.

Other Useful RV Coverages

The basic coverages listed above are just a sampling of the policies you’ll want to make sure you have. To really get the most out of your road trip, there are a few other types of coverage that will give you a relaxing state of mind. You can also check out even more additional coverage types here.

Vacation Liability

This specific type of coverage will protect you from bodily injury and damage accidents that may occur while using your RV as a home on vacation.

Roadside Assistance

Roadside assistance is another big coverage you’ll want to take care of before heading out on a trip. Even if you are skilled at repairing a car, an RV is a complicated machine with very different requirements.

Glass Repair

The windshield on an RV is huge, and therefore prone to incidental damage. A crack in the windshield can obstruct your view when the sun hits it, leading to an accident. Having glass repair coverage will enable you to quickly swap out your windshield and get back on the road in no time.

Enjoy Your Long Rides Feeling Secure

While an RV is an exciting vacationing tool, the insurance requirements can be quite complex. To make sure you are adequately covered—and to learn more about special coverages unique to RV owners—you should check with your insurance agent and get a quote to see what they can do for you. They will know best about local guidelines and regulations, so you are fit to travel no matter where you are going.