Why stay confined to one place when an RV or camper can give you the freedom to move? Whether you enjoy taking long weekends or traveling several months per year, your mobile travel unit gives you an escape and the opportunity to explore without boundary. All you need is your RV, the open road, and a reliable insurance policy to cover you along the way. At Binford Insurance, we can help you protect your nomadic travels with RV and camper insurance that covers you, your passengers, and your rig against potential losses and damage.
RV/Camper Coverage Requirements and Risks
Indiana laws require that all drivers have insurance – including those who drive RVs. That means your policy must contain at least a certain amount of liability protection, although we typically recommend higher limits to better protect against accident-related litigation and losses. In addition, campgrounds may require proof of insurance, and your lender may require coverage if you financed the purchase of your RV or camper.
At Binford Insurance, we help you sort through your options to find insurance solutions that address the risks of owning and operating an RV or camper. We can help you build a policy that fits your needs, with consideration for a wide range of factors, including:
- Part-time vs. full-time RV use
- Where you park your RV or camper
- The valuation of your mobile travel unit
- The types of upgrades, enhancements, and accessories you have
- The value of the belongings you carry inside your unit
- And more
We can offer insurance that covers you and your rig at home, on the campsite, and virtually everywhere in between. Whether you are involved in a rollover, get burglarized at a campsite, or get sued for damages caused by an RV-related accident, make sure your policy is one you can rely on to see you through nearly any situation.
Types of Indiana RV Insurance Coverage
Whether you own a travel trailer or a fully motorized recreational vehicle, your insurance policy will probably list several different coverage types. These can vary depending on your insurer, preferences, and coverage needs. Examples of common insurance protections include:
Bodily Injury and Property Damage Liability
Your rig is one of the ‘big guys’ on the road, meaning you could cause significant damages and injuries if you are at-fault for an accident. Bodily injury and property damage liability insurance are necessary to pay for third-party injury-related expenses, as well as property damages. It can also help cover your legal fees if you are sued. Choose your liability coverage limits carefully, as you could be responsible for remaining damages that exceed the limits of your coverage.
Collision
How much would it cost to repair a mangled RV after an accident? Collision insurance can help pay for repairs or compensate you for the total loss of your RV if the cost of damages exceeds the value of your rig.
Comprehensive
Could you afford to replace your camper if it were stolen from a campsite? Comprehensive insurance is designed to protect your RV against physical damages and loss due to non-collision events like theft, vandalism, wind, lightning, hail, and falling objects.
Note that any claims you make against collision or comprehensive insurance are usually subject to your deductible. This is your out-of-pocket responsibility toward the cost of a claim. Talk to your agent about deductible options and how raising or lowering it could affect your premiums.
Uninsured/Underinsured Motorist
Uninsured motorists are responsible for the damages they cause, but it can be difficult to obtain compensation – especially if you are injured in a hit-and-run. Uninsured motorist insurance helps cover you for damages caused by uninsured drivers. Underinsured motorist coverage can also fill in gaps by paying for qualifying damages that exceed the coverage limits of an at-fault driver.
Medical Payments
Injuries require immediate medical attention, regardless of who is at-fault for an accident. Medical payments coverage helps pay for medical expenses for you and your passengers, with coverage typically limited to no more than a few thousand dollars. You can use this money to pay for health insurance deductibles, doctor bills, and other necessary expenses.
Vacation Liability
Taking a vacation shouldn’t lead to a lawsuit, but risk doesn’t take time off. If someone is injured while visiting your rig at a campsite, for example, you could be sued for the damages. Vacation liability insurance protects you while you are parked, providing coverage for legal fees, judgments, and out-of-court settlements when your rig is being used as a temporary residence.
RV Awning
Most RVs have awnings, which can cost hundreds or even thousands of dollars to replace. If your awning is damaged in a storm or due to some other covered event, this coverage can help you pay to replace it.
Personal Belongings
Your fine art collection may not accompany you on the road, but chances are you still have some valuables in your possession. If your personal belongings are damaged or destroyed while traveling, this coverage can compensate you for the loss.
Trip Interruption
Expect the best, but plan for the worst. When your road trip goes wrong, this coverage can help pay for a hotel room and alternative transportation back home.
Save on Indiana RV/Camper Insurance
If you own an RV or camper, we here at Binford Insurance can help you protect yourself and your travel unit against a wide range of risks and losses. We can shop and compare coverage on your behalf and also search for discounts that can save you money on the coverage you need. Contact our office for more information or to request your free quote. We look forward to serving you soon.
