RV Insurance: How It Works

Did you just purchase an RV for your family’s next vacation? Before you hit the road, it is time to review your policies with Linda Dugan Insurance and make sure that your RV has the right coverage for how you intend to use it.

Is RV Insurance a Separate Policy?

That all depends on the type of RV you purchased in the Astoria, OR area. If your mobile vacation home is a travel trailer or fifth-wheel, you will add RV insurance to your truck or SUV that is towing the trailer. If you purchased a mobile home such as a Class A, Class B, or Class C, the policy will be a modified version of an auto insurance policy.

Basic Coverage: What It Protects

If you opt for the lowest RV insurance policy, it provides protection for the physical RV such as the structure, roof, wheels, lights, and brakes. Almost every other powered system like the A/C inverter or refrigerator and your possessions are generally not part of this basic protection. If you take an inventory of all the extras that you add to your rolling cabin, that leaves a large investment that is at risk in the case of an accident on the highway.

Getting the Right Insurance

When you sit down with an agent from Linda Dugan Insurance, make sure you discuss how you intend to use your new RV. Are you renting a space at the local Astoria OR campground for the year or are you hitting the highway? If you will be on the road full-time, make sure to expand your collision section and include bumper-to-bumper replacement value. If you are renting a pad and adding a deck and outdoor kitchen, ask about extra liability that offers protection against damage to your summer getaway.