Did you know there are significant differences in RV insurance when you use your RV for road trips and when you live in your RV full-time? It also makes a difference whether you rent it out to others or only use it personally.
Get an RV Insurance Review
To make it easier, ask your agent at Kingston Insurance Agency LLC in South Kingstown, RI, to conduct an insurance review to figure out if you have the right kind of insurance and adequate protection.
Before the insurance review starts, tell your agent about the use of your RV. Give information about the number of trips you take each year and the distances you drive. If the RV remains stationary, and you live in it, tell your agent the details about where it’s parked. If you rent it out, you will need to have commercial insurance coverage.
Full-Time RV Living
The considerations that relate to recreational insurance for RV living include reduced risk of traffic accidents and a potentially increased need for more coverage if you keep more personal property in your RV.
Trailer Park Master Insurance Policy
If you park your RV in a trailer park, and it remains there for more than a few nights, you may be helped by the master insurance policy of the trailer park. Get a copy of the master policy from the trailer park manager. Ask your agent to review this policy and figure out the coverage for common areas, natural disasters, and any uninsured or underinsured risks that are discovered.
Keeping Your Agent Informed
After you complete your insurance review and make your decisions about the coverage you feel is adequate, you want to be sure to tell your agent when anything changes. This is especially important if you plan to drive it on the public roads after it has been parked for a while.
Reach out to us at Kingston Insurance Agency LLC in South Kingstown, RI, for all your recreational insurance needs.
