What Can RV Insurance Cover?

RV insurance – much like auto insurance – covers many of the risks that are common to traveling on the open road including collision, liability, non-accident-related damage, and more. Many RV insurance packages will also include coverage for your personal belongings, equipment, and accessories in and on the RV itself. You may also have access to additional coverage options including total replacement, campsite and vacation, emergency expenses, towing and roadside assistance, special coverage if your RV is your full-time residence and uninsured and underinsured motorists coverage. Naturally, this will all depend on whether or not you are with Blanchard Insurance, how far you are from Altamonte Springs, FL, and which package you choose.

How It Works

By design, a Blanchard Insurance policy is there to protect you – the owner – from excessive financial stress in the event of an accident, loss, or damage. It can also provide you with some assistance and compensation in the case of a roadside breakdown that you have repaired on your own.
To more specifically illustrate how this all might work, let’s consider some common troubles you can experience while on the road with your vehicle. Assuming you’re near Altamonte Springs, FL, your RV insurance could cover you in these situations:

If your policy covers uninsured/underinsured motorists and you are involved in an accident with such a driver who is deemed at fault, your insurance will cover your damages since you can’t make a claim against the other motorist’s insurance. The specific amount covered will depend on the amount of damage and policy specifics such as deductible amount and limits set on the policy.

If your policy includes liability coverage and you are involved in an accident for which you are deemed at fault, your insurance company will compensate the other motorists involved up to the liability limits on your specific policy. However, you will be on the hook to pay any costs beyond those limits. This could include the costs of damages, injuries, court fees or judgments.

If you have towing coverage or roadside assistance, your insurance company can reimburse you for costs associated with towing your vehicle after being disabled in an accident.

Comprehensive coverage can cover all sorts of things beyond accidents while on the road. If your insurance policy includes comprehensive coverage, your insurance company can cover anything from animal damage, hail damage, or even total loss in the case of a flood or theft. This is still all subject to your deductible and limits you selected when purchasing your policy.