RV’s come in many shapes and sizes, and the insurance available on them is also varied. Many automotive insurance polices can be extended to cover your recreational vehicles. Linda Dugan Insurance, in Astoria, OR, can help you find the best policy to fit your situation.
RV’s can get very expensive, so it is a good idea to protect your investment. Generally liability coverage is standard, but for a lot of RV’s comprehensive and collision are also available. Contents coverage is also something to consider as well.
Motor homes are the largest type, but they usu ally have their own policy. To qualify as a motor home, the vehicle must have attached cooking appliances, refrigeration, bathroom, heating, a water supply system and standard electrical outlets.
Smaller campers, like popup campers, are towed by another vehicle and do not have their own power. To qualify these trailers must have a sleeping area and cooking facilities.
Homemade campers, which might be even smaller, would fall under another specialized policy.
If you are driving a motor home, you must have liability, just as you would with an automobile or any other self propelled vehicle.
It gets a little more complicated with trailers, but again liability coverage is always a good idea. Comprehensive and collision coverage, as well as roadside assistance, are also options to consider.
Don’t just assume your automotive policy will cover the trailer it is pulling. Contact Linda Dugan Insurance in Astoria, OR to find out more about getting your camper or RV the coverage it needs. If you already have insurance with us, and are getting a new camper of any kind, come visit us to make sure your policy is up to date and that you have the correct coverage for your situation.