An RV gives you a lot of freedom to travel the country or even internationally. You simply have to choose a destination, get behind the wheel, and head out. Even so, you’ll need a good RV insurance policy to ensure you’re fully covered in an incident, and the type of coverage you need can change over time due to personal circumstances and changes in your financial status.
Signs You May Need To Change Your RV Insurance Policy
You’ll need to upgrade your RV insurance policy if you decide to live in it full time rather than use it for travel. Full-time RV living calls for a policy akin to home insurance. This policy will cover your RV and personal belongings if an accident happens.
Conversely, if you only use your RV for travel at certain times of the year, you may want to opt for storage coverage for the months when you aren’t traveling by RV. However, this arrangement isn’t always a good fit for everyone. You’ll need to purchase regular RV insurance before you take your vehicle out on the road. Additionally, if there is a chance another vehicle may crash into the RV while it is in storage, you’ll want to maintain regular coverage year-round.
You may also need to change your RV insurance if you renovate your RV. Small changes, such as replacing old flooring and repainting cabinets, could affect your RV’s value. You want your policy to accurately reflect the change in worth. If you’re planning major upgrades such as installing solar panels, contact your insurer beforehand. Not all RV insurance policies allow for major changes.
Contact Southern Risk Associates, serving Foley, AL, for More Information
Southern Risk Associates helps RV owners in and around Foley, AL, assess their insurance needs, review policy options, and pick the best forms of coverage. Call us to find out more or request a policy quote.
