Recreational Vehicle Insurance

Hitting the open road in your camper, fifth wheel, or RV is a rite of passage for many people in the United States. Spring and summer in the countryside mean recreational vehicles of all kinds are on the road. Having a recreational insurance policy in place is crucial to protect your fun-in-the-sun investment.

Protect Your Vehicle

Travel trailers, campers, and other recreational vehicles offer an excellent way to get out of town and enjoy time in nature. They are extremely popular options with young adults and retirees alike.

But they also don’t come cheap. These vehicles represent a significant investment, so they deserve sufficient insurance coverage. Theft or a traffic accident can leave you with no vehicle and a gigantic bill to repair or replace your property.

In some instances, your recreational vehicle may have protection under your existing auto insurance policy. But you can’t depend on this being the case, as that policy might not provide full coverage in the event of damage or theft.

Recreational insurance, however, is specific to these vehicles so that you can have peace of mind. Heading into the woods or out on the road inherently carries the risk that something could go wrong. Work with your Lake Region insurance agent to make sure you have the coverage you need.

Once a policy is in place, if you need to file a claim, it will work similarly to your home or auto coverage. Your agent will help you with each step.

Protect Your Liability

When you drive your RV or camper on the road, you also need to have coverage in place for liability. If you are found responsible for an accident with your recreational vehicle, you may be liable for medical and legal costs.

It’s crucial that you have liability insurance in place before you hit the road to protect you financially and legally. Your Lake Region independent agent will work to find the right policy for your needs.

Are You a Glamper?

The rise in popularity of glamping, or glam-camping, brings a new set of insurance needs. Some people lease a spot in a campground for the whole season or even an entire year, leaving their trailer, camper, or RV on-site during their lease.

This arrangement makes it easy to get away for a quick glamping trip without having to load everything and haul the trailer. Your vehicle stays set up and ready for you to arrive. It can be an ideal way to enjoy your RV consistently.

But when you lease a spot for an extended time, it can change your insurance requirements. Be sure to talk with the Lake Region team so that we can help you find the right coverage.