Recreational vehicles or RVs
represent Americans’ love for living life on the open road. With
thousands of miles of highway crisscrossing the nation, it is not
uncommon to travel down a highway and see at least one RV plying in
either direction. If you want to enjoy the comfort of home on four
wheels, then the RV is your best bet. But like all vehicles, you need
some form of insurance – and standard auto policies don’t work
for them.
An RV
insurance policy has a number of key elements. The first is total
loss replacement, which applies to buyers of brand-new RVs for only
the first five years, by replacing the original unit with an
identical machine. An RV policy can be customized to specify limits
on damaged or destroyed personal belongings.
Insurance policies for RVs are known
for higher liability limits because of their massive size that can be
a harbinger for mishaps. A full-timer liability applies when the RV
is used as a residence, in the same manner as a home insurance. Some
policies also allow for emergency expenses, particularly when the RV
is being repaired and the occupants are forced to live elsewhere for
the duration.
RVs are great investments for
vacationers. However, it is important to have all bases covered for
the vehicle as well as your adventure.
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