An RV or recreational vehicle is a type of automobile that can travel from place to place such as various parks that are located in every state. These types of vehicles are used by people that are retired and like to travel the country. Anyone that owns an RV needs to have the proper type of insurance policy in force for the vehicle. There are no specific insurance rules for owning an RV but basic rules should be followed to make sure that proper precautions are taken.
Valuables
Property that is located in a RV is just like property that is located in a home such as various appliances, clothing as other types of personal property. These items will need to covered on a RV insurance policy in the event they are damaged, lost or stolen. The amount or personal property coverage is important and may need to be changed depending on the type of property that is being kept in the RV.
RV Lot
Some types of parks, campgrounds or areas to park an RV overnight or for an extended period include a lot for the vehicle. Individuals that park an RV on these types of lots should property liability coverage on their insurance policy. This type of coverage is needed in case the lot or property where the RV is located gets damaged. Some campgrounds may have their own rules or regulations that need to be followed to minimize problems.
Wheel Chocks
Wheel chocks are small blocks that are used to place in the front and back of the rear wheels of an RV when it is parked. These small blocks prevent the RV from rolling or moving on its own because it is on an incline when it is parked. Wheel chocks are not only necessary but can prevent an accident from occurring that can increase the cost of insurance for the RV.
Breakdowns
One of the worst things that can happen while on vacation or traveling in an RV is to have the vehicle break down while on a trip. An RV insurance policy may cover the costs of staying in a hotel while repairs are being made. RV insurance policies can vary from company to company and it is important to know what is covered and not covered on the policy.
Roadside Assistance
All insurance policies for vehicles that travel on the road such as a RV insurance policy should have coverage for roadside assistance. This coverage generally pays for various problems that can occur such as a flat tire, locking yourself out of the vehicle and replacing a dead battery. The amount of coverage that is available on a policy can vary and should be high enough to cover the cost of most common problems.