When it comes to enjoying your recreational vehicle, there are plenty of ways to do just that. Some people use it to travel long distances but still remain in hotels. Others live in their RVs full time. No matter in what manner you enjoy your vehicle, it’s important for you to consider the proper way to protect yourself from financial losses related to the RV. That’s where RV insurance comes into play. There are various components to these plans, including campsite and vacation coverage.
What is Campsite and Vacation Coverage?
One of the risks you face when operating your RV is placing other people or other people’s belongings in danger. This is why you need liability insurance. One form of this insurance is campsite and vacation coverage. This is a form of liability coverage, but it’s related to you only when you are using your RV for vacation purposes. It does not apply to situations when you are operating it long-term on the road.
It can help to protect you from costs related to the losses other people face, such as injuries or property damage. More specifically, it helps cover you when someone else is injured or their property becomes damaged in some way when you are using your RV for a vacation. Campsite coverage specifically addresses liability matters related to stopping and camping at a location. For example, you may back into a utility line or another fixture. This causes damage to that fixture that the property owner will need to pay for. This policy can extend your protection by covering this type of loss.
What Do You Need?
When selecting RV insurance, be specific with your agent about how you plan to use it. Nearly all RV owners can benefit from campsite and vacation coverage, as long as that’s how you plan to use your vehicle. For those that are unsure if they need RV coverage, it takes just looking at the risks you face on a day to day basis when operating your vehicle. Could someone get hurt? Could you do damage to someone’s property? Most people take every step possible to reduce these risks, but they still are possible.
Need to review your policy? Call HIG – Henrich Insurance Group at (713) 349-0400 for more information on Houston RV insurance.