A recreational vehicle can be a whole lot of fun. They have some great benefits. Choosing an RV can help families save money on food and lodgings during vacations. They are a great option for those who want to get out and explore. Some people even make RVs a lifestyle choice, giving up their homes and living on the road year round.
Like many fun things in life, recreational vehicles involve risk. In fact, RVs are a more complicated risk than most automobiles. In RVs, both the benefits and risks of homes and automobiles are combined. Recreational vehicle insurance is essential for anyone who owns an RV.
RV Insurance Coverages
As both a vehicle driven by the owner and a place where people live, a motorized RV presents something of a challenge when it comes to insurance. Depending on the type of Recreational Vehicle, RV insurance may encompasses both automobile coverage and dwelling type coverage. If that isn't enough, there are also unique concerns related to RVs. For example, campsite liability coverage is an option.
Insurance companies offer a number of options to the users of RVs. Standard coverages in Oregon for motorized RVs include vehicular liability, comprehensive, collision, personal injury protection, and limited property protection. Additional coverages such as roadside assistance and contents coverage should be considered.
Traveling in an RV presents special considerations when it comes to breakdowns or other damages. Towing can be more complicated and expensive. In terms of contents, people traveling in RVs often carry valuables. Even the presence of electronics and appliances can make recreational vehicles a target for theft. Contents coverage is a prudent investment.
Finally, for those who live in recreational vehicles year round, full timer liability insurance is a great idea. This RV insurance provides protection similar to that offered by a traditional homeowners policy.
Types of RV
The term recreational vehicle covers a lot of ground. This category includes everything from a towed camper/trailer to a tour bus. The size and age of the vehicle will impact the pricing of your RV insurance. Additionally, if your RV purchase was financed, the lender may have their own requirements for insurance.
A Class A RV of 24 to 40 feet in length can be very luxurious. The annual cost of insurance for a vehicle like that, in the state of Oregon can be thousands of dollars. For a smaller Class C RV with a separate driving compartment, insurance costs may be much lower.
Other factors will impact pricing, as well. How often do you use your RV? How far do you travel in it? What is your driving record like? How old is the motorhome, and what is the safety rating for it?
Recreational Vehicle Insurance In Oregon
If you're in Oregon or Washington contact Fox Insurance Agency for the RV coverage you need. We are an independent agency, and can provide RV insurance quotes from a variety of providers. This flexibility and level of choice makes things easier for our customers. Our specialty is property casualty insurance; we know it inside and out.
With customers in Oregon and Washington, we know all the ins and outs of the insurance requirements for RVs in both states. A recreational vehicle is a great way to get out and explore the beautiful Pacific Northwest; there are over 200 RV parks in Oregon alone! We would love to help you protect your investment. Contact Fox Insurance Agency for RV insurance quotes today.
The information in this article was obtained from various sources and is not all inclusive regarding the subject matter. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.