As the vacation season approaches and you start preparing your family RV for your trip, consider getting an insurance proposal for a peace of mind on the road. Obtaining an RV policy with Chambers Bay Insurance will provide the security you need as you travel throughout the state and beyond.
Should your RV be in an accident that causes substantial damage, you can obtain total loss coverage for the RV. Your RV can be replaced with a new one that is less than five years old, or you can be paid the cost for the RV. Your auto policy will depreciate the value of your RV, but your RV policy will not see depreciation and provide you the money or replacement of equal value. Should you be miles away from home when your RV is totaled, you could have it replaced before returning home.
An auto policy is not going to cover the damages or losses of personal items that are inside your RV. However, an RV insurance plan can include coverage of personal items up to a certain value. This level of security can provide you peace of mind knowing that yours and your family's belongings are secure for replacement should they be damaged or stolen.
Your RV is only covered for liability while it is out on the road and in tow with an auto policy. When it is used for lodging, any liability claims are covered if your RV is insured with an RV policy. This is essential since your RV will be used for lodging more so than driving or towing while on vacation, giving you 24/7 coverage on your RV for the vacation.
If you are interested in purchasing an RV policy before your vacation, contact an agent at Chambers Bay Insurance. Proudly serving our clients, our agents will customize your RV Insurance policy to match your needs. Contact us today for more information.