For seeing our great nation and touring its many wonders, nothing beats a recreational vehicle for unparalleled home-away-from home comfort and joy. It can also be a great money saver over time as a family avoids the high cost and inconsistency of motel stays. Recreational vehicle insurance policies are in place to protect ones vehicles, the passengers within, and the whole family from any losses that might be incurred during or even in between trips. Unlike other modes of mobility, RVs are both a home and a transportation vehicle. Hence, RV insurance goes above and beyond typical auto insurance policies in providing the particulars of appropriate protection that only RV owners might require while touring. Also protected are the many valuables and personal belongings that accompany a home on wheels. Even a familys pets can be covered by these specialized policies.
As they move along public roads, RVs also need to have the normal, legally stated levels of liability insurance. It is wise to have higher levels of coverage as well due to the sheer size and destructive potential inherent of a recreational vehicle. Also similar to car insurance, comprehensive coverage is highly recommended for helping repair or replace ones RV if damaged in a collision or in some other unexpected destructive event. As RVs are typically used much less than autos, their policies can be far less expensive than coverage for other vehicles. Policies can also be suspended or their coverage reduced during the off-season when the RV is parked away, idled in the garage.
When one is out and about in the RV, there are those occasions in which guests may pay a visit and stay for a nice dinner next to the campfire. Should some kind of mishap lead to injury or perhaps financial damage to the guests, recreational vehicle insurance provides the necessary liability coverage to protect the owner against losses. Should an RV somehow inflict damage to the campsite, as is possible if an on-board bathroom hold tank were to rupture and leak chemicals and effluent, this kind of protection would be just the kind of help an owner would thank his or her lucky stars for having.