Five RV Insurance Factors to Consider
There are a lot of great RV parks and campgrounds around Raleigh and greater North Carolina. For many campers, an RV or motorhome makes for a great getaway, offering the comforts of home on the go. If you own or are looking for an RV, however, you need to closely consider RV Insurance. Young Insurance Associates Inc has helped countless campers in Raleigh, NC obtain the right insurance for their needs. Let’s take a look at 5 factors you should consider when shopping for recreational vehicle insurance.
Are Personal Belongings Covered?
Many people start with the monthly premiums when considering RV insurance. However, it’s often best to start by considering what’s covered. Personal effects coverage provides insurance for items that are not permanently attached to your RV, such as laptops. You should check to see if a plan offers personal effects coverage, and if so, how much.
Full-Time Versus Part-Time RV Insurance
How often you plan to use your RV will impact insurance premiums and the type of RV insurance you should have. If you live in your RV, you’ll typically want to go with full-time insurance. If you only use your camper or motorhome for occasional getaways, part-time insurance may be a better choice.
How Much is the Deductible?
Many insurance plans carry a deductible, meaning you’ll have to pay out of pocket up to a certain amount when you make a claim. Generally speaking, higher deductibles mean lower monthly premiums, but if you need to make a claim, you’ll have to pay more out of pocket.
How Much Liability Coverage Does the Plan Offer?
Liability insurance will cover someone else’s medical bills or property damage if an accident occurs. If you have low liability coverage on your RV insurance plan, you may find yourself in court if someone sues you to recover costs and damages.
How Much Is The Premium?
You can’t forget your RV insurance premium costs, of course. However, you’ll want to consider that price in the context of what the insurance plan offers.
Looking for RV insurance for your camper, motorhome, or other recreational vehicles? Contact Young Insurance Associates Inc! We serve Raleigh, NC and other areas too!