Your RV can be a weekend getaway, your hotel on wheels or even a permanent home — all good reasons to protect it. RV insurance comes in handy to cover your camper plus everything and everyone in it against unexpected expenses after an accident on the road or at the campground.
Morley Canvas work with insurance providers to repair or replace your caravan or camper trailer. With teams based in Morley and Binningup, we ensure your RV fabric is back to pre-accident condition, and can work side-by-side will all insurance providers.
Here’s three considerations when deciding on RV insurance.
1. RV Insurance Protects More Than Just the RV Itself
If you drive your RV, you’ll need to meet your state’s minimum car insurance coverage. It typically includes liability coverage to cover damages your RV causes, but you may need underinsured motorist protection to cover accidents caused by other drivers.
Stronger coverage can protect your RV beyond the bare minimum. Collision pays for repairs to your camper if you’re in an accident on the road, while comprehensive protects you from nearly anything else, like an electrical fire or storm damage. Depending on where you camp out, you might need protection for towing if your RV breaks down. Even if you park your RV permanently, you might want to cover your personal property in case of theft or damage.
After you understand the coverage you can get, build an RV insurance policy that includes as much coverage as you can afford.
2. Customize Your RV Insurance to Pay Less
The beauty of owning an RV is how versatile trekkin’ life can be, whether you stay in a campground community all year long or flock north for the summer.
Your RV insurance can accommodate the level of use your RV gets. You’ll pay a little more for RV insurance if you drive it regularly or live in it as your primary residence. But if you camp out during summer or drive it on weekends only, you may be eligible for recreational coverage — or at least a low-mileage discount.
You might need stronger coverage for a motorhome with an engine compared with a popup trailer you tow behind a truck. And if you plan to rent out your RV to make extra money, look into a policy that includes RV rental insurance to cover your renters’ mistakes.
3. RV Insurance Helps You Keep the Roof Over Your Head
Owning an RV is a major investment — and for many, it’s home. RV insurance offers a safety net, allowing you to live the mobile lifestyle without fear of damage to your home.
A fender bender or flat tire in an RV can leave you without a home while it’s repaired, unlike an accident in a car. RV insurance helps you rest easy knowing you won’t pay out of pocket on top of it.
Insurance is a must for RV owners. With so many coverage options, lots of flexibility and the added benefit of financial peace of mind, purchasing RV insurance could be the difference between travel headaches and mobile bliss.
If your RV has recently been involved in an accident, get in touch with Morley Canvas to discuss our caravan and camper trailer fabric repair options.
This article is written by Roslyn McKenna. As car insurance publisher for finder.com, Roslyn McKenna is driven to help you get a great deal on coverage so that you can enjoy the ride. Roslyn has put her bachelor’s degree in writing and communications to good use on topics that range from finance to insurance.
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