RV Insurance

If you love to travel, an RV is an excellent investment. When you own an RV, you can travel from the comfort of your own home. Best of all, you won't need to worry about checking into expensive hotels every night.

If you are buying an RV before you even drive if, off the lot, you should purchase an RV insurance policy. Under Virginia state law, you need to have an insurance policy.

Accident Coverage

If you cause an accident and carry liability insurance only, the other driver and vehicle will be covered, but your RV won't. If you want to be covered if you cause an accident, you can get a collision, which will pay to repair or replace your RV if you cause an accident.

You can also take out comprehensive coverage for extra protection. This will cover your RV if it is damaged by anything other than a collision such as fire, vandalism, falling objects, storms, theft and natural disasters.

Personal Effects Coverage

Because you will be traveling with your personal belongings, you will need extra protection. If any of your belongings are damaged or destroyed during an accident, fire or another type of disaster, the insurance would pay to repair or replace your personal belongings.

Vacation/Full-Timer Liability

These two types of coverage will protect you if someone is hurt in or around your RV. Vacation liability is designed for RV owners who use their RVs while on vacation. Full-timer liability also covers if someone is injured in or around the RV, but it is designed for RV owners who live in their recreational vehicles all year long.

The insurance would cover the injured person's medical bills and any other costs associated with the accident.

Before you drive your new RV off the lot, contact David Martin Insurance Agency Inc Our agents can help you purchase an RV insurance policy that will provide the coverage that you need. To get your policy started, give us a call or stop by today.