Powersports Vehicle Insurance in Knoxville, Dayton, Kingston and Madisonville, TN

An RV is a vehicle, but it’s so much more than that. In many ways, it’s like your home. How you use it will differ from how you use your car. You must therefore consider its unique aspects when insuring it.

Finding RV insurance policy doesn’t have to be hard. Let one of our agents at guide you through the process of getting targeted yet affordable protection.

The Benefits of RV Insurance

RVs are incredibly expensive. They usually far exceed the cost of the standard car. Therefore, you have to insure this vehicle with appropriate auto and property insurance. That will help you avoid costly losses stemming from accidents during use.

Let’s say you have a wreck while on vacation in the vehicle. Or, maybe your RV catches fire at a camp site. Both accidents could prove harmful to you, your property and others. They also will likely create damage that is expensive to repair. If you have an RV policy, you can often get critical financial help paying for these losses. Consider coverage essential to your long-term security.

What do RV Policies Cover?

RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes:

Liability Insurance: Insures you against damage you cause others if you are at-fault in a wreck.

Bodily injury liability coverage pays for their medical bills (and in some cases deaths)

Property damage liability pays for damage to the other driver’s property, like their car.

Collision Insurance: Covers damage to your own vehicle after a wreck.
Comprehensive Insurance: Pays for vehicle damage from non-accident mishaps, like weather damage.
Medical Coverage: Pays for your medical bills and those of your passengers.
Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.

Campsite and Vacation Coverage: Covers liabilities associated with using the RV as a vacation property.
Full Time Residence Insurance: If you live in the RV permanently, turn to this coverage.

Other coverage offers help for roadside assistance, rental car coverage, and expenses protection like emergency hotel bills.

Keep in mind, the exact policy you need will vary. You’ll want your coverage to protect the vehicle appropriately both during travel and stationary periods. Talk to one of our agents about how to tailor your own protection to your advantage.