If you’re living in your recreational vehicle as your primary residences, there are additional risks and concerns that come with living on the road, which affects your coverage. There are additional coverage requirements and allowances, designed to financially protect you and make your life easier if something goes bad. If you’re considered living in your RV while your insurance provider doesn’t know that it’s your permanent residence, you may be denied if you make a claim. Therefore, it’s very important to be up-front and discuss your intentions with your provider. Find out answers to your questions and learn more about RV insurance by contacting AFI Insurance, a company that serves the Denver, CO area.
What You Need to Know About Full-time Rv Insurance
Full-time personal liability is very important if you’re living in your RV. This coverage pays for property damage and bodily injury to other persons when you’re at fault for an accident. You likely already have this coverage on your regular policy, but you need full-time liability in order to avoid rejected claims.
Medical payments to others coverage pay for medical costs caused by people who are injured while in your RV or the property nearby. For example, this coverage protects you if a friend gets hurt while spending some time with you inside or just outside your RV.
Personal belongings coverage reimburses you for stolen or damaged items. If you’re living in your RV, there are likely some important items inside, so this coverage is quite valuable.
Emergency expense allowance is helpful, as it pays for food and housing if you’re dealing with a covered claim that’s more than a predetermined distance from your residence.
Storage shed contents coverage pays for the valuables located in a storage unit that’s leased, owned or, rented by the insurer during the time of the loss.
There’s a lot more information that is important when it comes to full-time RV insurance. Get in touch with AFI Insurance, assisting people in the Denver, CO area, to learn more about how you can protect yourself while your RV is your permanent residence.