Recreational Vehicle Insurance in Charles City, IA
Whether you take your recreational vehicle (RV) out for occasional weekend getaways or live in it year-round, having insurance is crucial for any journey. RV insurance may help cover expenses if something goes wrong; traveling without it could result in serious legal and financial challenges.
What Does RV Insurance Cover? 
Standard RV insurance policies often include the following:
- Collision coverage may cover repair costs if your RV is damaged in an accident.
- Comprehensive coverage may help prevent financial loss after noncollision damage like fire or theft.
- Liability coverage may compensate for third-party bodily injuries and property damage if you’re at fault in an accident.
- Personal belongings coverage may cover valuables inside your RV, like small appliances and electronics.
- Emergency expenses coverage may help with lodging or transportation costs if your RV becomes unusable due to a covered event.
- Campsite liability protection may cover legal fees and medical expenses related to accidents occurring while your RV is parked at a campsite.
- Total loss replacement coverage may be available for newer RVs and can provide funds to purchase a new, comparable model if your vehicle is totaled within a specified period (usually the first few years of ownership).
- Roadside assistance coverage may cover 24/7 assistance from RV technicians, including help with mechanical breakdowns, tire changes, fuel delivery and towing.
- Full-time coverage may cover personal liability, medical payments, personal belongings and loss of use coverage for those living in their RVs more than six months out of the year.
Is RV Covered Under Auto Insurance?
Standard auto insurance typically provides limited coverage for RVs, especially travel trailers. While basic liability coverage might extend to your RV, it often falls short of addressing your full coverage needs. Most auto policies don’t account for RV-specific risks, such as personal belongings stored inside, attached accessories and modifications, and specialized equipment and appliances.
Learn More
The experienced agents at Ackerson Insurance can help customize your ideal policy. Contact us today to learn more about coverage options.