For new RV owners, one of the first things they worry about is trying to decide how much insurance coverage they should purchase. Here are a few things to consider that should help you to decide how much insurance coverage to purchase for your new RV.
Local Laws
Believe it or not, depending on where you will be registering your RV, local laws may dictate how much minimum coverage you will need. Usually, this coverage will take into account the size and value of your RV and it will ensure that you and the other party involved in the accident are covered in the event that you are deemed responsible for the accident. This is one of the many areas in which discussing your options with an agent can be beneficial, as they will know what local laws require.
Where Your RV is Stored
Where you decide to store your RV can have an impact on the amount of coverage you will need to take out. If you are not going to be storing your RV in a secure location such as a garage or storage facility, you may want to consider purchasing additional coverage. This is due to the fact that in this situation, your RV is more likely to be vandalized, broken into or stolen.
The Belongings Inside of Your RV
Another factor many RV owners forget to take into account when purchasing RV insurance is that they will be keeping and/or traveling with many belongings in their RV. Just as when purchasing home insurance, you will want to make sure that you purchase enough insurance to cover the belongings inside of your RV. In this way, should your RV be damaged or destroyed, you will be able to replace the items within your RV as well as your RV itself.
Taking the above things into consideration when purchasing insurance for your RV will ensure that you are covered in the event that something happens to your RV. However, this list is by no means exhaustive of everything you must consider when purchasing RV insurance. For this reason, it’s beneficial to consult an agent when purchasing insurance for your RV so that you can ensure that you have proper coverage.
Stay safe on the road. Call Guardian Insurance at 770-277-4779 for more information on Atlanta RV insurance.