Homework, science projects and over-stuffed backpacks will soon give way to longer days and excited dinner table chatter about summer vacation plans. So whether you’re a family living the RV lifestyle or looking for a new twist on your annual family adventure, there’s one crucial question to ask yourself before you pull out of the driveway: “Is my insurance coverage right for my family’s needs?”
If you’re going on a one-time trip, you might consider:
Vacation Liability and Emergency Expense Reimbursement coverages: One of the most important types of optional RV coverage is vacation liability insurance, which will cover you for bodily injury and property damage if someone or something gets hurt in or around your RV. Emergency Expense Reimbursement coverage is another way to plan ahead and ensure you have the right amount of protection on your trip. This coverage pays for hotels and travel if something happens to your RV while you’re away from home, saving you and your family headaches and frustration.
If you’re buying or already own an RV, you might consider:
Reevaluating your long-term policy to make sure it fits your needs: Like most insurance policies, RV insurance premiums vary widely. Coverage can cost as little as $100 or up to $25,000 a year, in part because RVs themselves vary from $5,000 for a non-motorized trailer to several million for a top-of-the-line luxury RV. If you’ve got a new RV, and it’s totaled in an accident, Progressive’s Total Loss Replacement coverage pays to replace it with the same or similar model so you get back on the road. Don’t forget about what’s in your RV as they often carry special equipment such as a generator, a water pump and a refrigerator that also needs to be covered.
Making sure all your family members are taken care of: Progressive customers with Comprehensive and Collision coverage automatically get $1,000 in coverage for a cat or dog’s injury or death arising from an incident related to a covered RV insurance claim.
One final thought to consider as you’re planning your next big road trip: keep in mind that Progressive RV insurance covers several kinds of vehicles, such as motor homes (including Classes A, B, and C, motor coaches and camper vans) as well as travel trailers, including campers, pop-ups, fifth wheels, and toy haulers. So if you’re searching for motor home, travel trailer, camper, or camper van insurance, Progressive has an RV insurance policy to fit your needs.
Progressive Casualty Ins. Co. & affiliates. Not available in all states. Product features are subject to policy terms, and may not be available in all states or for all vehicles and coverage selections. Pet injury coverage not available in NH & NC.