Add-ons and Optional Coverage: Getting the Most Out of Your RV Policy

Standard recreational vehicle (RV) insurance may not cover everything that comes with full-time or seasonal use. The gap between basic financial protection and extensive coverage often shows up after a breakdown in an unfamiliar area or a liability claim arising from an incident while camping. Optional coverages can address those gaps.

Coverages Worth Adding to Your Policy

A base RV policy typically includes liability, collision and comprehensive coverage, but the following add-ons can address risks that base policies leave exposed:

• Emergency expense coverage: Covers meals, temporary lodging and related costs when your RV becomes disabled far from home.
• Total loss replacement coverage: Replaces a totaled unit with a comparable new model rather than paying a depreciated value.
• Full-timer coverage: Adds liability and personal property protection for those who use the RV as a primary residence.
• Vacation liability coverage: Extends coverage for third-party bodily injury or property damage that occurs at your campsite.
• Personal belongings coverage: Protects electronics, clothing and other items inside the RV that a standard policy may exclude.
• Accessories coverage: Covers awnings, satellite dishes and other accessories attached to your unit.
• Roadside assistance coverage: Provides towing, fuel delivery and other services if your RV breaks down.

Getting the Right Combination

No single add-on package fits every RV owner. Usage patterns, trip frequency and whether the unit is towed or self-propelled can all influence which coverages make sense.

Contact Bicent Insuremart Agency, Inc. today to review your current RV policy and identify coverage gaps before your next trip. Our team serves clients in Berwyn, IL and beyond.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.