Recreational vehicles are large motor coaches or trailers specifically made for short or extended stretches of time in which an individual can enjoy the many comforts a home while traveling. Types of covered vehicles include compact, pop-up trailers to huge “land yachts” or multi-cabin motor behemoths. These vehicles can be quite sophisticated and very costly, so recreational vehicle insurance is a no-brainer for such a significant investment. And this kind of insurance protects you financially from lawsuits should an accident or injury happen.
Keep in mind that recreational vehicle insurance is not a copy of car insurance. If you have an RV, then you’re wise to purchase a proper policy to cover it.
There are several coverage choices for recreational vehicle insurance. It is always a good idea to speak with an insurance professional to be fully informed as to the kind of coverage that is best for you. By not going through the proper channels on could end up in getting less or more coverage than you need.
Total loss replacement is ideal for those who own an RV that is new to less than five years of age. Should there be an accident that renders the vehicle inoperable, then total loss replacement is meant to provide compensation that will replace the vehicle with one that is comparable.