There are endless possibilities when you own an RV or camper. Vacation is always just a gas tank away, whether you adventure close to home for the weekend or hit the road for a month-long trip. With adventure on the horizon and countless destinations to explore, it is essential to remember that owning and traveling in an RV or camper can be risky. At Frydach Insurance, we help RV and camper owners find the insurance coverage that minimizes risks and safeguards against a wide range of financial loss.
Unique Coverage for Unique Risks
RVs and campers are like nothing else on the road. In addition to being on wheels, they also serve as a temporary shelter, which directly affects the type and amount of coverage you may need. For example, an RV is a vehicle that requires similar coverages as any car or truck on the road, including accident liability insurance. When parked at a campsite, however, it becomes temporary housing, and you may need coverages that protect you against premises liability and accidents that could lead to a lawsuit. At Frydach Insurance, we understand the various risks you face as an RV or camper owner and offer the coverage needed to protect your financial interests.
Types of RV and Camper Coverage
Depending on the type of recreational vehicle you own, your policy could contain several different types of insurance coverage. Each one offers various financial benefits that could protect you against unexpected loss events. Examples include:
RV and Camper Damages
There are many ways your RV or camper could become damaged. A tree could fall on it at a campsite, it could roll off the side of the road in transit, or it could be vandalized or stolen from your home. In any scenario, you could face expensive repairs or total loss of your investment without adequate coverage for physical damages and theft. Be sure to ask your agent about additional coverage to help protect accessories and awnings.
RVs are large vehicles – often with plenty of blind spots. Even the most experienced drivers can cause a highway accident or back into another RV at a campsite. It is important to talk with your independent agent about the various types of liability insurance you may need to protect against at-fault incidents while driving your RV or using your camper as a temporary shelter. Your coverage limits should not only meet Wisconsin legal standards, but it should also be adequate to protect you against the cost of litigation, victim medical bills, property damages, and more.
You and Your Passengers
If you and your passengers are injured in an accident, your RV insurance could help cover your losses. Medical payments coverage, for example, can help pay for limited medical expenses regardless of fault. If you happen to be injured by an uninsured or underinsured motorist, coverages may also be available to help compensate you for injuries – including after a hit-and-run accident.
Contents and Belongings
If you travel in an RV or camper, chances are you’ve outfitted the inside with many of the comforts of home. When you bring your belongings along for the journey, make sure they are covered against theft and damage.
Trip Interruption and Roadside Assistance
From flat tires to mechanical breakdowns, a lot can go wrong when you travel by RV. Coverage may be available to help provide roadside assistance and even temporary shelter and transportation if you are unable to reach your destination or return home using your RV due to a covered reason.
Wisconsin RV/Camper Insurance Quotes
If you own an RV or camper in the State of Wisconsin, you need insurance – regardless of how frequently you travel. Contact Frydach Insurance for more information about customized insurance solutions designed to meet your needs. We look forward to serving you soon.