RV Insurance: What’s Covered?

 

An RV is a great way to travel. You've got all the creature comforts and the flexibility to go where you want. Since your motorhome has the characteristics of a vehicle and a home, you'll want to make sure you're covered from all angles. Here are all the ways Allstate RV insurance can protect your property and your guests with quality coverage:

Bodily injury liability

Protects you and other insured drivers if one of you injures or kills someone in a covered accident you're legally liable for.

Property damage liability

Protects you and other insured drivers if one of you damages another person's property in a covered accident you're legally liable for.

Collision coverage

When your motorhome is in a covered accident, this helps pay for the damages.

Comprehensive coverage

Covers damage to your motorhome caused by falling objects, fire, theft, vandalism, flood and some other non-collision losses.

Sound system

A sound system permanently installed by the manufacturer is covered up to $2,500, minus your policy deductible.

Contents coverage

Covers property in your motorhome when it's damaged or destroyed due to fire or lightning.

Medical payments coverage

Covers necessary medical treatment if you, your family members or your passengers get injured in a covered accident.

Personal injury protection coverage (PIP)

If you, your family members or your passengers are in a covered accident, this takes care of reasonable and necessary medical, rehab or funeral expenses. It even covers work loss, survivors' loss and essential services like household maintenance. The coverage varies by state, and you might hear it called "no-fault" insurance.

Uninsured & underinsured motorist coverage

If a driver who has no insurance injures or kills you, your family members or your passengers, this covers you. It also applies if the driver doesn't have enough insurance to cover the damage they've caused you.

Towing and labor costs coverage

If your motorhome breaks down, this covers the cost of labor done on the spot and the cost of towing.

Rental reimbursement coverage

If something happens to your motorhome related to the comprehensive or collision coverage you have, this covers the cost of renting a motorhome or automobile in its place.

The Kyer Agency is a three generation agency, which has been proudly serving GA & TN since 1974. We specialize in Auto, Home, RV, Condo, Renters, Landlords, Umbrella, Boat, Motorcycle, Life, and Workplace Employee Benefits. Contact us today for a free quote!