If you are thinking about purchasing a recreational vehicle or have recently bought an RV, it’s crucial to think about RV insurance. At Hinman & Associates Insurance, we’re happy to help those in the Reno, NV area find out if RV insurance is right for them, and what kind of policy then need.
Defining a Recreational Vehicle
What counts as an RV? RV vehicles are typically divided into several different classes based on how large they are and how they are used. An RV can be anything from a converted bus that you live in and drive to a small trailer you hitch behind your vehicle and use for occasional camping. Motorcoach, luxury coach, cargo van, travel trailer, and many other model types all count as RVs.
RV Insurance Requirements
If you have an RV that you drive (as opposed to towing it behind another vehicle), then Nevada law requires RV insurance that meets basic auto insurance requirements. That means getting a policy that includes $15,000 coverage for bodily injury or death in an accident, $30,000 for group injuries or death, and $10,000 for injury or destruction of property.
RV Insurance vs. Auto Insurance
Since auto and RV insurance requirements are the same, owners may wonder why they are sold as different policies. The reason is that RV insurance is designed to add on many additional types of insurance specifically designed for recreational vehicles. That includes special roadside assistance insurance, campsite insurance, home insurance if the RV is used as a home, vacation insurance, and other options that owners can choose from based on their activities.
If you want to learn more about the details of RV policies or wish to put together RV insurance, call us today! Hinman & Associates Insurance offers services for those through the Reno, NV area.