If you are looking to buy an RV in the Rochester, MN, area, it is crucial to understand the different types of coverage so you can find the policy that works best for you. Whether you use your RV part time or live in it full time, it is mandatory to have RV insurance in Minnesota. However, there are different types of insurance you can purchase depending on your specific situation. There are four types of basic RV insurance for both your RV and related vehicles called Liability, Uninsured/Underinsured, Collision, & Comprehensive.
Liability is the most essential coverage you can purchase for your RV. While it does not protect you, your family, or your vehicle, it ensures you are legally protected from damages or injuries you may cause to others. Liability coverage is required for either motor homes or the vehicle towing your RV.
If you were to get in an accident with an uninsured or underinsured driver, this coverage will protect you and your vehicle from the cost of damages or injury. This is essential when someone doesn’t have enough coverage to cover your claim.
Collision coverage will cover repair costs to your RV due to an accident regardless of who was at fault. Collision coverage protects against accidents with another vehicle or objects such as a telephone pole, fence, or house.
Comprehensive coverage protects your RV from any damage that is not covered by collision. Depending on your policy, comprehensive coverage can cover damages from natural disasters, accidental damage, theft, vandalism, collision with an animal, and more.
To learn more about insurance coverage for your RV, contact the offices at Safechoice Insurance Agency in Rochester, MN.