Before you road trip this summer, make sure you have the right coverage.
Posted in Personal Insurance on Thursday, June 16, 2022
Summer is the time to get away from the hustle and bustle. It’s time for family. Many people enjoy camping for some peace and quiet and the great outdoors, but to ensure your downtime is as stress-free as possible, make sure you’re covered before you leave home.
To determine what you need, let’s look at the different camping options.
Motorhome
- Liability coverage is required. This will not extend from an auto policy or homeowners insurance. Liability covers damage to property or bodily injury caused while using the motorhome. These limits should match those you carry on your auto policy.
- Physical damage coverage. This is to repair or replace damage to the motorhome. Physical damage is broken down into comprehensive and collision. Comprehensive covers losses beyond your control i.e., theft, vandalism and fire. Collision covers hitting another object or vehicle and also covers rollovers. These coverages carry a deductible.
Camper/Travel Trailer
- No liability coverage is purchased on the RV policy. The liability will extend from the auto policy of the vehicle pulling the camper.
- Physical damage coverage is needed if you wish to protect the value of your camper. This is comprehensive and collision coverage as described for a motorhome.
- RV policies also offer extra coverages or endorsements such as:
- Roadside Assistance
- Total loss Coverage
- Vacation Liability
- Replacement Cost of Personal Effects
- Emergency Expense Coverage
- Premiums vary based on the type, size and value of the camper or motorhome. You can help control the premium by the choice of deductibles and endorsement options.
Tent
No additional policy is necessary. Liability and contents coverage will extend from the homeowner’s insurance policy.
Don’t let an accident take the fun out of summer. Talk to your agent about the options that suit you best.