{"id":210,"date":"2024-01-23T04:00:00","date_gmt":"2024-01-23T10:00:00","guid":{"rendered":"https:\/\/www.depauloagency.com\/blog\/?p=210"},"modified":"2024-01-23T09:55:07","modified_gmt":"2024-01-23T15:55:07","slug":"four-things-you-might-not-know-about-rv-insurance","status":"publish","type":"post","link":"https:\/\/www.depauloagency.com\/blog\/four-things-you-might-not-know-about-rv-insurance\/","title":{"rendered":"Four Things You Might Not Know About RV Insurance"},"content":{"rendered":"

Buying an RV can be a wonderful, yet costly, experience. Having adequate insurance in place is a must, and our team at DePaulo Agency in Scotia, NY, shares some things first-time buyers might not know.<\/p>\n

1. Do You Need RV Insurance on a Camper?<\/strong><\/h2>\n

Campers are towed, not driven, making insurance optional in New York and most other states. The lender typically requires full coverage to protect their investment if there is a loan on the unit.<\/p>\n

2. What Does RV Insurance Cost?<\/strong><\/h2>\n

Different types and ages of RVs, along with their price range and various amenities and features, factor into coverage costs. Some other details that play a role include:<\/p>\n

    \n
  • Driving History<\/li>\n
  • RV Driving Experience<\/li>\n
  • Usage<\/li>\n
  • Credit Score<\/li>\n
  • Deductible<\/li>\n<\/ul>\n

    3. What Does RV Insurance Cover?<\/strong><\/h2>\n

    While most camper coverage is basic with collision and comprehension, RVs carry more extensive inclusions that include:<\/p>\n

      \n
    • Collision<\/li>\n
    • Comprehensive<\/li>\n
    • Bodily Injury<\/li>\n
    • Property Damage Liability<\/li>\n
    • Personal Injury Protection (PIP)<\/li>\n
    • Uninsured Motorist<\/li>\n
    • Limited Property Damage<\/li>\n
    • Property Protection<\/li>\n<\/ul>\n

      4. There are Key Coverages That Are Optional<\/strong><\/h2>\n

      Some things that owners might want to be covered are available only with supplemental policy add-ons.<\/p>\n

      Total Loss Replacement<\/strong><\/h3>\n

      Only available on previously untitled RVs aged up to just a few years qualify for total loss replacement coverage. Others are insured for actual cash value or an agreed value.<\/p>\n

      Custom Equipment<\/strong><\/h3>\n

      If you have tricked out or upgraded your RV’s interior or exterior, custom equipment coverage helps with costs should damage or theft occur. $1000 is automatically included, but costly upgrades mean you should increase those limits.<\/p>\n

      Personal Effects<\/strong><\/h3>\n

      Also not usually included in RV policies is personal effects coverage. This covers your belongings in an RV; homeowners insurance may cover them, but the homeowner’s deductible would apply.<\/p>\n

      Need RV and Camper Insurance Protection?<\/strong><\/h2>\n

      Paid off or not, you’ll have greater peace of mind with your recreational vehicle covered with insurance. Contact DePaulo Agency in Scotia, NY, to learn more and receive a quote.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Buying an RV can be a wonderful, yet costly, experience. Having adequate insurance in place is a must, and our team at DePaulo Agency in Scotia, NY, shares some things first-time buyers might not know. 1. Do You Need RV Insurance on a Camper? Campers are towed, not driven, making insurance optional in New York […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,8],"class_list":["post-210","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-depaulo-agency","tag-scotia-ny"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t