How Much RV Insurance Do I Need?

Ownership of recreational vehicles in Virginia is on the rise, mainly as more people can work remotely in a post-pandemic world. If you have recently purchased or are in the market for an RV, you’ll want to be sure that you have adequate insurance coverage. An RV is more challenging to drive than an automobile because of its larger size, but it is also far more expensive to repair. 

RV insurance is similar to your personal auto insurance policy in that it offers many of the same coverage types that are outlined below:

  • Collision Coverage: Pays for damage incurred to your RV after an accident
  • Comprehensive Coverage: Covers your RV if damaged by a storm, vandalism, theft, fire, or anything not related to a collision.
  • Bodily Injury Liability: If you are in an accident that injures other people, this coverage pays for their medical bills and additional fees.
  • Property Damage Liability: Protects you if a third party’s property is damaged in an accident, regardless of who was at fault.

When choosing how much RV insurance to purchase, you’ll want to start by ensuring you have at least Virginia state minimum liability coverage and then base your decision on how expensive your RV was and other factors. 

To learn more about RV insurance, give the Armor Insurance Group in Virginia Beach, VA a call today. We’ll take the time to walk you through your options while also learning about your lifestyle so that we can produce a customized and personalized insurance policy. With our no-obligation consultation available, you have nothing to lose by giving us a call or stopping by our office.