What type of insurance protection your vehicle needs depends on several factors, including the specific type of vehicle you have. For example, if you own a Class A Motorhome, which is basically built like a home on wheels, then you are generally required to have broad coverage that includes bodily injury and property damage liability, uninsured motorist, personal injury protection, comprehensive, and collision. However, if you are towing your recreational vehicle and it is not drivable, like a fifth wheel, pop-up, or travel trailer, then it is possible the liability insurance coverage in your car insurance extends to these towables.
Regardless of the type of recreational vehicle you own, you may want to consider extended coverage options, like towing and roadside coverage, campsite and vacation coverage, total loss replacement coverage, and more. At Fred C. Church, we will not only work with you to determine the insurance requirements for the recreational vehicle you plan to buy or rent, which vary greatly from state to state, but, as important, we will also help you evaluate the likelihood of a loss and the optimal way to cover the risks of the road.