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Congratulations on your new RV purchase! Whether your RV is a custom-made Class A motorhome, a brand-new travel trailer, or a gently used fifth wheel, there is nothing more exciting than loading up the family and hitting the open road for outdoor fun and exploration with loved ones and friends.
The local RV insurance professionals at Western Trails Insurance in Oshkosh, NE, provide quick and easy-to-follow tips and tricks to help you get started below.
RV Insurance Basics for First-Time RVers
Just like auto insurance or home insurance, RV insurance is designed to protect the exterior, interior, and covered accessories of your RV.
Different levels of coverage can include basic liability coverage to satisfy state insurance minimums, comprehensive RV insurance coverage that protects your RV and finances from a wide variety of possible perils, and collision insurance for RVs, which helps to cover the cost of repairing or replacing campers, trailers, and fifth wheels that have been involved in an accident.
The Difference Between Comprehensive, Collision, and Liability Insurance for RV Owners
The primary difference between liability and comprehensive or collision coverages is that liability RV insurance meets state minimum requirements and covers at-fault drivers for limited accident-related protections, which can include legal liability claims from injured drivers, medical expenses, and property damage claims when the driver is at fault for an accident.
Comprehensive and collision coverages for RV owners extend their liability-only policies to cover more events, accidents, and non-accident-related perils.
Talk to a licensed and friendly insurance agent at Western Trails Insurance in Oshkosh to learn more about getting full coverage RV insurance and compatible add-ons like emergency roadside assistance, towing, and trip interruption benefits for RV owners.