Month: September 2021

Because recreational vehicles are both homes and vehicles, insurance policies also have a wide range of options.

Located in Croton Falls, NY, Carminucci Agency can determine what policy is right for you. The six coverage types below are likely to be included in any RV insurance bundle.

Collision insurance

Accidents happen. Unsurprisingly, collision insurance protects if it does. The best policies will include this coverage, regardless of who is at fault.

Comprehensive coverage

Any damage that’s not a result of a collision falls under comprehensive coverage. This can include natural disasters, falling objects, theft, and even vandalism. Most policies will list the issues protected.

Uninsured motorist

If your RV is involved in a fender bender with someone who has insufficient coverage, uninsured motorist insurance has you covered. In addition to property damage and injuries, this coverage often also includes lost wages.

Liability

If you’re determined to be at fault during an accident, liability kicks in. Generally applied to motorized RVs, this protects against bodily injuries to you or others while in or near your recreational vehicle.

Medical

This type is often required by law, so choose a policy that includes medical insurance. Related to liability, this pays for healthcare expenses for you or any passengers who might get hurt while inside your RV. 

Personal property

Most of this list applies to auto insurance too. However, personal property coverage does not. This protects belongings inside your RV if they’re stolen, damaged, or destroyed. Keep in mind your homeowner’s policy may already extend to some of these possessions.

Contact an agent serving Croton Falls, NY

Recreational vehicles can serve several roles. You’ll want an insurance policy that captures both. The Carminucci Agency can create a unique plan that protects you and your family as you travel this summer.