You have parked your RV at a campsite in Astoria, OR, set everything up, and settled in for a relaxing weekend. A neighboring camper walks over to say hello and accidentally trips over your leveling blocks, injuring themselves.

Scenarios like this can disrupt even the most carefully planned getaway. Accidents happen, and the best way to protect yourself from the unexpected is to have the right RV insurance in place before your trip.

The Imperfect Storm: Guests, Rain, and Slippery Campsites on the North Coast

Astoria, OR, experiences frequent rainfall, which can create wet steps, muddy ground, and slippery surfaces throughout a campsite. These conditions make it easier for someone to fall, even when you have taken reasonable precautions.

You cannot control the weather, but you can make sure you have liability coverage that protects you if a guest is injured while visiting your campsite.

What RV Liability Insurance Covers in Oregon

Many RV owners assume their standard RV insurance applies to accidents involving guests at a campsite. This is not always the case. Coverage depends on the specific terms of your policy.

Oregon law (ORS 806.010) requires motorized recreational vehicles driven on public roads to carry liability insurance. This coverage applies to injuries or property damage you cause while the vehicle is in motion. It does not automatically extend to injuries that occur after the RV is parked at a campsite.

The team at Linda Dugan Insurance can review your policy to determine whether you have the correct coverage for campground-related incidents.

Why Vacation Liability Matters for RV Insurance

Liability coverage while driving and while parked are two distinct types of protection. Once you settle into an RV site near the coast or at Fort Stevens, your driving liability coverage may no longer apply.

Vacation liability, also called campsite liability, provides coverage when a guest is injured at your campsite. It functions similarly to the liability portion of a homeowners’ policy, providing coverage for incidents that occur on the site where your RV is parked. Not every RV insurance policy includes this coverage automatically, so reviewing your policy is important.

Double-Check Your RV Insurance Coverage

At Linda Dugan Insurance, our team can walk you through your policy and help you confirm that you have the protection you need for your RV trips. Reviewing your coverage before your next getaway ensures you are prepared for unexpected situations and can enjoy your time away with confidence.

Car insurance and home insurance are consistent components of the ongoing business discourse. However, RV insurance is often overlooked. Though fewer people own RVs than cars and homes, these large vehicles also require insurance.

Linda Dugan Insurance is here to help you understand the important differences and similarities between RV insurance, car insurance and home insurance in and around Astoria, OR.

The Basics of RV Insurance

RV insurance policies are somewhat similar to auto insurance policies. Take a look at RV insurance coverage and you’ll find most have collision, comprehensive and liability coverage similar to auto insurance policies. RV insurance policies also typically have underinsured motorist coverage and uninsured motorist coverage in the event of an accident with an unprepared driver.

Contrary to what some have heard, most insurance companies do not permit RV owners to add RVs and other recreational vehicles to personal car insurance policies. Rather, RV insurance must be purchased on its own in the form of a distinct policy.

RV Coverage Options

Similar to auto insurance and home insurance, RV insurance policies have distinct coverage options available to policy-seekers. If you want more than the basic level of coverage or live in the vehicle full-time, consider add-ons.

Those who use their RV as a home must add full-time RV coverage for sufficient protection. Similar to homeowners insurance coverage, full-time RV coverage provides elevated personal liability coverage, ensuring costly medical care for those injured in the vehicle will be paid for. Moreover, this coverage is applicable to items kept in storage when traveling.

Roadside assistance for RVs similar to that for regular vehicles is also available through additional coverage options. Take a close look at the policy options and you’ll find different levels of roadside service coverage, some of which have higher limits for vehicles of this considerable size.

There is also the option of adding coverage for personal property and attachments similar to homeowners insurance. For example, such coverage applies to personal items such as camping supplies, satellite dishes, sporting goods and furniture stored in the RV.

Coverage When Parking the RV 

What about RVs parked at one’s home?  If the vehicle is in the garage or driveway, there’s a good chance the home insurance policy will cover it. However, the RV must be listed on the home insurance policy’s content list.

Be sure to check the details of your policy for verification. Moreover, it is worth noting an RV parked at campgrounds is often considered a rental home. In such an instance, the vehicle is not likely to be covered by homeowners insurance or auto insurance.

Linda Dugan Insurance is on Your Side

Do you live or work in the greater Astoria, OR area? If so, contact Linda Dugan Insurance for a customized insurance quote. Give us a call today.