Specialty insurance for your RV and boat are essential needs. Here’s a few tips for covering each type of vehicle.
Why RV Insurance Is Not Like Car Insurance?
Car insurance costs may vary based on a variety of factors, but the basic bones of the policy remain the same. With recreational vehicle insurance, the policy type depends on your vehicle. There are 3 classifications of RV:
- Class A: includes luxury coach models, motor coaches, or converted buses that are up to 75 feet long.
- Class B: means that you have the smallest type of RV. The RV does not have a cab-over and typically refers to cargo van type designs or camper vans.
- Class C: refers to vehicles that have a standard cargo van as the driving portion of the RV that the camper extends over. This is also the policy type that covers fifth wheel vehicles.
What Does RV Insurance Cover?
Here’s why people think RV insurance is exactly like their car insurance – because it covers many of the same things. Boat insurance policies cover collision, comprehensive, and liability coverage, similar to how your auto policy works. There are optional add-ons, including insurance for your belongings, towing and roadside coverage, and emergency expenses, among others.
Basically, recreational vehicle insurance is designed to work similarly, but not the same, as your car insurance. That is, it protects you from excessive out of pocket costs related to damage to your RV, total loss, or if you cause an accident that causes bodily harm to others.
Why Do I Need Boat Insurance?
Boats encounter the elements, water hazards and take on wear and tear and every boat is different. You might spend summer afternoons bass fishing in your new fishing boat. Perhaps you have the perfect pontoon boat for a relaxed cruise around the lake on the weekends. Maybe your sailboat takes you on solitary journeys wherever the wind takes you.
Boats and personal watercraft are big purchases, but for those that love being on the water, you know they’re worth it. With industry-leading features, our team helps you protect your vessel in the way you want and need. We’ll help provide information on discounts as you customize your coverage.
For all your recreational vehicle and watercraft coverage needs, It’s Time To Call Tary!