Warm weather means outdoor adventure. Nothing beats a summer vacation full of road trips and family bonding.
Before hitting the road to your next beach or mountain expedition in the family Recreational Vehicle (RV), make sure you’ve got it covered by insurance.
In the state of Virginia, it is required to have separate insurance for any RV that is motorized and can be driven because it has the potential to harm others. If you have a camper or pull-behind trailer that’s attached to your own vehicle, then it should already be covered by your auto insurance.
Getting caught driving an RV without insurance can result in serious fines. Beyond the financial stipulations, it’s a good idea to cover your vehicle to protect your family from harm. In the event of an accident, it’ll be easier to receive compensation for personal injury and property damage.
What Does RV Insurance Cover?
Depending on the scope of your RV insurance and what your provider has to offer, you can have a multitude of situations covered:
Collision Coverage: If you get into an accident with another vehicle while on the road, collision insurance will cover the damages and any repairs that need to be made.
Comprehensive Coverage: Incidents happen all the time, which is why comprehensive coverage expands the scope to take care of all accidents that are not collisons. This includes falling objects, theft, vandalism, animals and other scenarios.
Permanent Attachment Coverage: RVs come with a variety of features and equipment that you can add to the vehicle like satellite dishes, bike racks, kitchen modifications and more. These permanent attachments can be considered part of your vehicle with RV-specific policies and will be covered if stolen or damaged.
Personal Property Coverage: When you travel for an extended amount of time, you’re sure to bring your own belongings like TVs, radios, appliances, bikes and more. If you become a victim of theft, your personal property will be covered so you can receive a form of compensation to get your belongings back.
Personal Property Liability: If you are found liable for the accident, you will be held responsible for the victim’s damaged property. Investing in this type of insurance will take care of their property (this can be cars, buildings, etc.).
Bodily Injury Liability: No matter whose fault it is in an accident, if someone gets hurt you’ll have medical bills to deal with. Personal injury protection can help you, your family and passengers receive financial compensation if they get harmed.
In short, investing in RV insurance will protect you and your family in the event of an incident or emergency situation.
Comprehensive RV Insurance in Richmond, VA
If you’re on the search for a quality insurance plan for your Recreational Vehicle, Sanford Insurance has expansive options. We cover all types of RVs, including travel trailers, pop-up campers, fifth wheel trailers, watercraft and more.
Located in Richmond, Virginia, Sanford Insurance helps local families find the right insurance for their vehicles so they can be better protected on their vacations.
Contact us today for a free quote and see what we cover.