RVs in a RowBefore you hit the road in your RV, talk to your insurance agent and make sure that you are fully covered for any situation you might encounter. RVs are part vehicle and part home, and the right insurance coverage will reflect both of these realities. Here are five options you may want to consider adding to your RV insurance policy.
  1. Medical Payment Coverage: This covers the cost of medical treatment that is needed due to an RV accident. It will cover necessary medical treatment regardless of fault.
  2. Emergency Expense Coverage: Insurance companies recognize that when something happens to your RV, chances are, you are far from home. This coverage can help pay for your hotel and transportation expenses if your RV experiences a covered loss while you are on vacation.
  3. Vacation Liability: This covers your liability toward other drivers. Mainly, it covers bodily injury and property damage that a third party suffers by your hand.
  4. Total Loss Replacement: If your RV is totaled, this coverage can provide you with a new comparable RV. The replacement cost you receive from your insurance is based on the age of your RV and the actual cash value of your RV. If your RV is totaled within the first four model years, many plans offer you a brand new comparable RV. If your RV is totaled within the fifth through seventh model years, you are generally offered the actual cash value of your RV or the original documented purchase price. After the seventh model year, the settlement value is based on the current cash value of your RV.
  5. Replacement Cost Personal Effects: Insurance companies recognize that as second homes, your RV contains many personal items. You can purchase replacement cost coverage as low as $1,000 or up to $100,000. Make sure your replacement cost coverage is high enough to cover all the personal items that you generally carry in your RV.
Get the coverage you need. Call Red Gorman Insurance at (214) 374-9997 for more information on Dallas RV insurance.
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