The different RV insurances depend on the RV covered. Standard RV insurance covers the liability that comes with operating an RV. Trailers are covered with regular insurance, but you require additional coverage if an RV is towing it. You don’t require a driving license to operate motor homes. These self-contained vehicles are covered by regular RV insurance.
Fifth wheels are self-contained but to operate them, you require a driver’s license. You insure them with regular RV insurance. Winnebagos are covered by standard RV insurance, while motor scooters require a driver’s license and regular auto insurance. For inquiries in Savannah, GA, contact TruePoint Insurance.
Various Forms of RV Insurance
RV insurances come in various forms, including liability or physical damage, private passenger or commercial, among others. Liability insurance covers any potential damages or injuries to others if your RV is involved in an accident. Physical damage insurance covers your RV against any damages that might happen from normal wear and tear.
Physical damage coverage includes scheduled and unscheduled. Scheduled physical damage coverage covers your RV against any damages that might happen from normal wear and tear. Un-scheduled physical damage coverage covers your RV against any damages that might happen from something outside of normal wear and tear.
Commercial RV insurance is for those using their RV for a profit. It covers things like hauling hazardous materials and commercial liability. Other forms include comprehensive, collision, and liability. Comprehensive RV insurance covers things like weather, falling objects, and vandalism. Liability coverage will pay bills if someone is injured on your RV or if your RV causes property damage.
Most policies also include coverage for medical expenses to cover the cost of any medical care for people injured in an accident on your RV. Most insurance covers have a limit of usually between $300,000 and $500,000. For expert help in Savannah, GA, contact TruePoint Insurance.