Thinking Of Buying A Camper? Here’s Why You Need Recreational Insurance

If you have an RV, travel trailer, or camper, you don’t need the hassle of booking flights, renting a car, or reserving a hotel room. When you have an RV, Camper, or travel trailer, you can just pack, lock up your Altamonte Springs, FL home and get on the road to your dream destination! Lucky for you, Blanchard Insurance offers affordable, specialized RV, camper or travel trailer insurance to help protect you and your belongings. 

What Kind Of Recreational Vehicle Insurance Do I Need? 

Depending on what type of RV, camper, or travel trailer you have, your insurance requirements will vary. However, even if you aren’t required to carry insurance (some non-motorized trailers don’t require it), it is wise to protect you and your belongings with coverage. RV insurance is available for: 

  • Conventional travel trailers 
  • Fifth-wheels 
  • Towable trailers 
  • Expandable travel trailers  
  • Truck campers and folding camper trailers 

Here are the types of RV insurance you should consider. 

Total Loss Replacement – If your RV is totaled within the first four years, this will provide you with a new, comparably-equipped RV.  For the fifth through seventh years, the settlement is the original documented purchase price or actual cash value at the time of loss, whichever is higher. After the seventh year, the settlement is typically on the actual cash value.  

Vacation Liability – This covers property damage or bodily injury damage or losses that occur at your vacation site. Typically, with comprehensive and collision coverage,  

Replacement Cost Personal Effects – This pays to replace your personal belongings in your camper that result from a covered loss.  

Emergency Expense Coverage – This will pay for expenses such as hotels and transportation due to a covered loss.  

Recreational Vehicle Medical Payments Coverage – pays the cost for necessary medical treatment that is caused in an RV accident, regardless of fault. 

Blanchard Insurance covers motorized recreational vehicles, motorhomes, van campers, mini motorhomes, towable campers, and sports utility recreational vehicles. For more information about the specific insurance coverage, you need for your RV, give the Altamonte Springs, FL insurance experts a call today.