Your auto insurance policy will cover an RV, and Utah drivers must have the following minimums:
- At least $25,000 of bodily injury per person for each accident
- At least $65,000 of bodily injury for every person per accident
- At least $15,000 of property damage liability coverage
- At least $25,000 of uninsured motorist coverage
- At least $65,000 of underinsured motorist coverage
While these amounts will cover the vehicle itself, it’s a good idea to get RV insurance so you can be protected from any losses that can occur while you’re operating an RV or travel trailer.
What to Consider While Purchasing RV Insurance
There are certain things that you should consider while you’re purchasing RV insurance, and one of them is the type of vehicle that needs to be covered. Most RV insurance policies will cover motorhomes and travel trailers. Motorhomes will have living quarters and appliances that are permanently attached, while travel trailers are towed by a motor vehicle and are generally used for camping. Be sure to speak to an agent about any specifics.
To be eligible for RV insurance, the vehicle must have the following items permanently attached:
- Cooking appliance
- Bathroom facilities
- Heating and/or air conditioning
- A drinkable water supply system
- An electrical system of 110-125 volts
A travel trailer can be covered on an RV insurance policy if it has both a cooking facility and a place for sleeping.
If you want to get an RV insurance policy, Perry Insurance Agency is one of the most known providers in Vernal, UT and serves over 24 different states. We have agents who can help you get the right kind of coverage, so feel free to contact us to find out how we can help you.
What RV Insurance Can Cover
Like regular auto insurance, an RV policy will have a number of coverage options. Every single one of them can protect you from different perils. Many of them are optional, so you can tailor your plan according to your specific needs.
The types of RV coverage that you can add to your policy include:
- Liability – Protects you from the costs associated with bodily injury or property damage that other people have suffered because of an accident of which you were the cause.
- Comprehensive – Helps with any costs if your RV has been damaged because of any incident that isn’t related to a collision (such as fire or theft).
- Collision – Covers any repair or replacements costs that have been caused by a collision.
- Vacation Liability – Covers any costs associated with property damage, but only if it has been used for vacation purposes.
- Roadside Assistance – Will help you if your RV experiences any kind of mechanical issue.
Be sure to get in touch with Perry Insurance Agency in Vernal, UT so you can find out about all the options that are available in your area. Keep in mind that we provide insurance for over 24 states.