Purchasing an RV can be extremely exciting, as it opens up the possibility of traveling in the comfort of a home. However, prior to taking your RV on the road, you will need to properly insure your recreational vehicle. As a Spokane, WA resident, you may wonder why RV insurance from a professional insurer like Western Insurance Associates is so important. Keep reading to find out why.
Why Does RV Insurance Matter?
RV insurance will protect your recreational vehicle from damage at any given time. When your RV is stored in the yard, it may be protected by your home insurance policy. However, when it is being used, you will require a separate policy to ensure you are properly protected from various incidents.
In some states, an RV insurance policy is required. Further, some campgrounds may require that you show proof of insurance before being allowed to stay. Otherwise, you will be unable to stay on their property.
How Are Coverage Amounts Determined?
The type and amount of RV coverage that you invest in will primarily be affected by the type of recreational vehicle you have. For instance, if you purchase a bus or motorhome, you want to ensure you have sufficient coverage to protect the engine, vehicle components, and living quarters. If you have a towable camper, protection for the living quarters may suffice.
Regardless of the type of recreational vehicle you buy and insure, you want to ensure that your insurance coverage is enough to protect the RV’s full value, any personal belongings, furniture, equipment, etc.
If you have questions about RV insurance in Spokane, WA, don’t hesitate to reach out to us at Western Insurance Associates.