All You Need to Know About RV Insurance

When you are about to set off on your fun RV adventure, the last thing you probably want to think about is insurance. However, if something goes wrong, having someone help pay for the damages can be a lifesaver. At Open Road Outlet, we appreciate how intimidating this all can be for a new owner. Here we have created this basic guide to RV insurance.

The Basics

The first question to ask is what you need to be covered. You should take what type of RV you own into account. Each state has its own minimum coverage requirements, so make sure that you know these requirements and select a plan that meets the criteria. 

Most RV insurance policies will cover things like automobile accidents, weather damage, pest infestation, theft, vandalism, and equipment damage. However, not all plans will cover your belongings, so check with the provider. 

The Cost

One aspect of purchasing RV insurance that trips up many people is the difficulty in figuring out how much the insurance costs. This is because so many factors go into determining your premiums, including the type of RV, your state of residence, your age, your driving history, whether your policy needs to cover the vehicle and belongings or just the vehicle, and the frequency with which you use your RV. Newer RVs generally have higher premiums, while older RVs are less expensive to insure. 

This guide is meant to provide only the basics. For more detailed information, you can visit Open Road Outlet at our dealership in West Saint Paul, Manitoba, or our dealership in Steinbach, Manitoba. Our knowledgeable staff is always happy to answer your questions, so stop by anytime. We also welcome guests from Saskatchewan and Pine Falls.