So, you have finally purchased the recreational vehicle that you have been dreaming about. The next step for you will be to insure your precious possession to protect it from the unexpected. However, before you get a certain RV insurance policy, there are certain things you need to consider:
Type of a Vehicle
There are three types of RV: Class A, B, C. Class A are the large mobile homes that are usually the most expensive to insure. Class B is very similar to a standard automobile and is often called a camper van. Class C is a medium-sized hybrid – something between a camper and a car. It is important to know that type of your RV because it is one of the factors affecting your insurance cost.
The Way You Use Your RV
Do you use it as a vehicle for traveling several times a year, or do you live in it full-time? If your RV is your actual home, then you may need to get liability insurance that covers the incidents that standard home insurance does. Liability insurance includes protection if someone is injured in your RV or if your personal belongings are destroyed by fire.
The Age and Condition of Your RV
It is essential to know that insurance for the same RV model will be different depending on the age and condition of the recreational vehicle. For example, the older your RV is, the less you have to pay for insurance.
Finding the right coverage for your mobile home is not the most straightforward task – there are many things and factors to consider. However, if you are from Niles, OH, or any other surrounding area, Ruddy Insurance Group is ready to assist you and help you to make the most informed decision. Give Ruddy Insurance Group a call today to figure out how we can help to protect your house on wheels.