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Recreational Vehicle Insurance: Factors To Consider When Examining Policies

Recreational Vehicle Insurance: Factors To Consider When Examining Policies

Are you looking for recreational vehicle insurance for a camper, motorhome, or other RV? Express Financial & Insurance Services, which serves Santa Monica, CA, has helped countless people obtain great, affordable RV insurance. When examining insurance policies, there are several important factors you must consider. Let’s take a look.

Is There a Deductible? If So, How Much?

Many RV insurance plans have a deductible. This means you’ll often have to pay a certain amount upfront before the insurance company will cover the costs. Often, higher deductibles result in lower premiums, but if something happens, and you don’t have the funds to cover the deductible, you may find yourself in a tight spot.

Do You Need Full Time or Part Time RV Insurance?

If you live in your trailer or other RV full-time, you’ll want to carry full-time insurance. However, if you only use your recreational vehicle occasionally, part-time insurance may suffice. Generally speaking, full-time RV insurance offers broader coverage.

How Much Liability Coverage Does the RV Insurance Plan Provide?

Liability insurance is one of the most important factors to consider when choosing a recreational vehicle insurance plan. Liability insurance covers injuries to other people in the event of an accident. If you don’t carry enough liability insurance and someone ends up injured you may have to pay for medical bills and other costs out of pocket.

How Much Will an Insurance Plan Pay If Your RV Is Destroyed or Damaged?

Many recreational vehicles, including some motorhomes, cost $100,000 or more. You should understand how your RV will be valued if you must make a claim and how much you might ultimately end up getting paid.

If you’re looking for recreational vehicle insurance, contact Express Financial & Insurance Services, which serves Santa Monica, CA, to find the plan that best suits your needs.