Why Do I Need RV Insurance?

 

Getting insurance for your motor home can get tricky, with numerous Oviedo, FL residents torn between getting home or car coverage. Unfortunately, none of the mentioned policies will cover your RV, with the ideal solution being RV insurance. This coverage will be essential in helping you get the proper protection safeguards, keeping you safe from legal problems. Below, The Wurzel Agency discusses why motor homeowners need RV insurance.

It Is a State-Requirement

Just like numerous types of insurance, RV insurance is mandatory, with owners expected to carry the state’s minimum liability requirements. This means getting coverage for 3rd party bodily harm and property damage liability. If you get into an accident, RV insurance ensures you get the proper compensation to offset other parties’ costs of medical expenses and property damage that you are liable for.

Helps You Cover Your Property Damage Costs

While RV insurance is a state-issued requirement, some RV owners will still opt out of purchasing their coverage, leaving you with out-of-pocket expenses when your motor home is damaged. RV insurance will help you pay for your RV repairs or replacement costs if you are involved in such a scenario. It will also be beneficial when your RV is damaged by disasters such as fire and hail, helping you fix your motor home.

Pays For Your Injuries

If you are involved in an accident, you are likely to get bodily injuries requiring medical attention. RV insurance kicks in to pay for your medical fees. These can be consulting expenses or X-ray check-up fees. Your passengers are also covered by RV insurance, allowing you to limit any additional costs.

Covers Emergency Roadside Services

No matter how prepared you are, emergencies such as breakdowns are likely to happen, leaving you stranded on the road. Fortunately, RV insurance can help with this, helping you cover your roadside assistance costs.

If you have recently purchased your motor home and are looking for RV insurance with the above benefits, consider reaching out to The Wurzel Agency today. We provide coverage to residents within Oviedo, FL to keep you protected during your travels.