Recreational vehicles provide luxury and convenience to their owners. Whether you want to tour all cities in New Jersey or the surrounding states, you can do so without worrying about flight cancellations and hotel bookings. However, this massive investment requires a proper RV insurance policy from a certified insurance company like Creative Risk Management LLC.
Apart from the basic required coverages, RV insurance comes with many additional coverages to protect you, your home on wheels, and your personal belongings. So which extra coverages should you buy to be adequately covered? Here are a few options to get you started.
Roadside assistance
Roadside assistance is one of the most critical coverages for long-distance travelers. RVs are not immune to mechanical problems, which can be worrying if you get stranded in the middle of nowhere. Roadside assistance helps tow your vehicle to the nearest repair facility in case of a mechanical problem or when you get stuck on the roadside due to snow, mud, or other issues.
Total loss replacement
This coverage helps replace your RV in case it is totaled. You get a brand-new RV, the same or better than what you had.
Pet injury coverage
If you will be taking your pet with you as you travel, pet injury coverage helps pay for veterinary care if your pet gets injured in a covered accident while in your RV
Vacation liability
Vacation liability is quite critical, especially if you travel often. The coverage pays for any property damage to bodily injury resulting from an accident while using your RV as a temporary vacation residence.
Custom equipment
RVs with custom equipment need separate coverage to repair or replace these parts in the event of an accident. Depending on the value of the custom parts, your insurance should assess how much you should pay to avoid being underinsured.
Looking to buy or review your RV insurance in New Jersey? Creative Risk Management LLC can help answer all the questions you may have and help you choose the right coverages based on your needs. Call us today.
