How Is RV Insurance Different From Car Insurance?

RVs tend to be larger and costlier than cars, so the risk is greater if something happens. Liability RV coverage protects you if you’re ever held legally responsible for damage or injuries to another person. Physical RV damage coverage protects your RV if caught up in an accident. Most policies require you to have liability coverage of at least $100,000. For questions call Kramer Agency in Bismarck, ND. 

What to Know About RV Insurance & Car Insurance 

Car insurance typically covers liability for any accidents that you may cause, as well as any medical bills for other drivers or passengers in your car in the event of an accident. RV insurance covers liability for any accidents that you may cause, as well as any medical bills for other drivers or passengers in your RV in the event of an accident. In addition, RV insurance covers any damages to the RV itself in the event of an accident. 

As with any other type of insurance policy, RV insurance will provide you with coverage if you are involved in an accident. If you ever have to leave your RV parked somewhere and it is ever vandalized or stolen, RV insurance will cover the cost of repair. If you ever have guests staying with you and they ever have any accidents or their belongings are ever stolen or damaged due to vandalism, RV insurance will cover the cost to replace their belongings. 

The most notable one is that RV insurance is typically not required by law, unlike car insurance. You are free to shop around and choose any provider you like. Another important detail is that RV insurance premiums are usually much higher than car insurance premiums. This is because RVs are much more expensive to repair or replace in the event of a collision or other accident than most passenger cars. 

Give Us A Call

Most car insurance policies cover collision and comprehensive damages up to a certain dollar amount. But many RV insurance policies cover all damages up to the total value of the RV. RVs are larger and costlier to repair or replace than cars, so RV insurance tends to be more expensive than car insurance. 

RV insurance also might have higher deductibles than car insurance, to account for the larger risk. And many RV policies have a mileage limit, which can make them less expensive than car insurance for drivers who drive much less than average. For help, reach out to Kramer Agency serving Bismarck, ND and surrounding areas.