Do you live in Las Vegas, NV and own an RV? A bit confused about how comprehensive coverage works and why you need it? Our wonderful team at Stevens Insurance has put together this guide to help you understand.
What Does Comprehensive Coverage Include on My RV Policy?
Comprehensive insurance coverage on an RV policy is nearly identical to that on a regular automobile policy. Fire, theft, vandalism, hail, wind, falling objects, and other weather are all examples of incidents that would be included under comprehensive coverage. Basically, anything not involving a collision falls under this section of your insurance policy.
(The only exception to this is hitting a deer or other animal, which is still deemed comprehensive and not collision.)
Why Should I Get Comprehensive Insurance Coverage?
When you’re traveling in an RV or motorhome across the country, you never know what will happen. Furthermore, if your RV is in storage here at home, it can still become damaged due to weather or vandalism. Thus, it is very important to protect your investment in your vehicle by having this type of coverage on your policy.
Is Comprehensive Coverage Required?
While comprehensive insurance coverage is not required by law, it might be non-negotiable if you are still making payments on your RV and you have a loan. However, it is still a very good idea to include it as part of your insurance policy to protect you in case of a disaster, as outlined above.
How Much of a Deductible Will My Comprehensive Insurance Coverage Have?
Just like with auto and home policies, deductibles are chosen by you when you start the policy. Work with your agent to select a level that best suits your financial abilities and needs.
Need more information on RV insurance? Contact Stevens Insurance in Las Vegas, NV today for your no-obligation quote.