Recreational Vehicle Insurance
Recreational Vehicle Insurance Quote Forms
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Recreational Vehicle Insurance Information
Recreational Vehicle Insurance in Auburn & Indianapolis IN
By law, all Indiana drivers must carry motor vehicle insurance. The vehicles that must be insured are more than just the average car; they include everything from motorcycles to recreational vehicles (RVs).
However, you can’t insure your RV with the same benefits as your everyday car. The specialty nature of this vehicle requires specialty motor vehicle insurance. Insurance & Financial Services is here to help you get the perfect coverage solution. We believe that it shouldn’t be hard to get the insurance benefits you need to keep yourself secure behind the wheel, and we’ll to make the process seamless.
Common RV Insurance Questions
What is RV Insurance?
Like any other vehicle, RVs are by no means immune to risks of accidents, theft, weather damage or other hazards. Indeed, they are often comparatively more at risk than the average vehicle because of their size, varied uses and considerable values. Therefore, when accidents do occur, the RV owner could find themselves facing numerous recovery costs. RV insurance will provide them with monetary support that can help them pick up the pieces of these accidents.
How Does RV Insurance Work?
While you want to be a safe driver when using your RV, you must admit that there are times where accidents will happen that were beyond your control. RV insurance will be there to help you pay your recovery costs, considering that most people couldn’t afford these high expenses all by themselves.
Policies are designed to insure you in the face of numerous challenges, such as:
Your benefits can be instrumental in reducing your cost burden for these problems, and you can rely on us to find the benefits that are most specific to your needs.
What Does RV Insurance Cover?
On one hand, your RV insurance looks a lot like standard auto insurance, and can include coverage like:
You can also invest in numerous benefits that are unique to the liabilities faced by RV users, such as:
Vacation liability coverage:Pays you when you are parked at a campsite and someone gets hurt in or around your RV.
Trip interruption coverage:Covers costs if you have a wreck that forces you to stop your travel. This coverage can pay for added living expenses incurred as a result.
Possessions coverage:Pays for your personal belongings within the RV when they sustain damage as a result of a wreck or other hazard.
Full-timer coverage:Applies when you use your RV as a permanent residence, rather than a temporary home on vacations.
Your coverage needs will vary based on the type of RV—motorized, towable, travel trailer etc.—that you own. We’re committed to working with you to optimize your benefits to your advantage.
Depending on whether you have a towable RV, motorized RV or travel trailer, your coverage needs will vary. However, your agent will gladly work with you to ensure you receive the most comprehensive protection based on the vehicle in question.
Is RV Insurance Required?
All Indiana drivers are required to carry at least the following coverage:
$25,000 bodily injury liability coverage per person
$50,000 bodily injury liability coverage per accident
$25,000 property damage liability insurance
Unless you reject it in writing, your policy will also contain uninsured motorist coverage with $25,000/$50,000/$25,000 limits, and underinsured motorist bodily injury coverage with a $50,000 limit.
Additionally, if you plan to finance your RV, then your lender might require you to buy collision, comprehensive and gap coverage.
We fully recommend that you carry more coverage for your RV than just what’s required of you. Our agents are committed to working with you to understand where your coverage needs lie, and what you can do in order to maximize your benefits to your advantage.
How Much Does RV Insurance Cost?
RV insurance prices can vary significantly from carrier to carrier and from driver to driver.
We understand that cost is important to you when getting coverage, which is why we will dig into the details of all the policies in our carrier network to find the ones that will offer you the best value for your benefits.
Plus, we can ensure that you always qualify for maximized savings through discounts, vanishing deductibles and other perks.