How to Select the Right RV Insurance for You

An RV isn’t like a normal vehicle in that it can serve a variety of different purposes on the road. When you take a road trip with an RV, you may be taking along everything from your favorite jewelry to your flat-screen television. In a road trip with a normal vehicle, you’re likely taking far fewer valuables, To pick the right insurance for you, you need to consider more about the most common threats out there as well as what’s at stake. Take these tips from Henderson Insurance Agency to get a better idea of how to choose a policy. 

Home + RV Insurance 

Because people sometimes use RVs as their temporary homes for weeks or even months, you may be required to purchase home insurance to help keep your valuables protected. The promise of fancy electronics, expensive accessories, and even nice clothing can attract criminals and make RVs especially vulnerable to a break-in. They may also be destroyed in a vehicular accident or a natural disaster, such as a thunderstorm or earthquake. 

Making the Choice 

RVs in Harrisburg, PA aren’t just a magnet for thieves, but a force on the road that needs to be treated with respect. It has the potential to do more damage on the road sheerly due to its size. No matter what state you happen to be traveling to, you need to have a policy that can keep you and your family safe while still protecting other families and property on the road. 

Calling Henderson Insurance Agency today can go a long way to find the right kind of insurance for you. If you live in Harrisburg, PA, let us give you the advice and direction you need to select a policy that can keep you safe. 

What Does ATV Insurance Cover?

ATV insurance works similarly to auto insurance. Since there are risks, just like with driving a car, ATV insurance helps cover the costs of these risks. In Harrisburg, PA ATV insurance is required.

Liability Coverage

This coverage will protect you if you get into an accident on your ATV and you are at fault. This will help pay for the other person’s medical bills, along with damage to your property.

Collision and Comprehensive Coverage

Collision coverage will help pay for repairs or to replace the ATV if you get into an accident, even if it’s just with yourself. For example, if you hit a tree and flip your own ride, you are covered under collision insurance. Comprehensive coverage will help pay for damages or replacement for non-accident related damages, such as fire, theft, or a falling tree branch. You can choose to receive actual cash value, so you if you have to completely replace your ATV you can get the actual value minus your deductible.

There is optional coverage if you want more protection. Just like with auto insurance, you can choose to have uninsured or underinsured motorist coverage, in case you get into a crash with another driver who doesn’t ATV insurance or insufficient coverage. Medical payments coverage will help pay for your medical bills, should you get into an accident. If you transport your ATV in a trailer, you may want a transport trailer for physical damage coverage.

How you use your ATV can help determine how much coverage you should get. If you use it in the backwoods where there are trees that can obstruct the view, you may want more coverage because it’s easier to get into an accident. You also want enough liability coverage to protect your assets and figure out how much risk you take while driving. An agent at Henderson Insurance Agency can help determine your risk.

Contact Henderson Insurance Agency serving Harrisburg, PA to get a quote on ATV insurance.