Category: RV Insurance

There are many similarities between RV insurance coverage and standard auto insurance coverage. However, there are also some significant differences that RV owners should be aware of when they acquire insurance coverage for their RV.

The more informed RV owners are, the better able they’ll be to make the right choices when choosing RV insurance coverage. You can consult with Carr Insurance Group in Maryville, TN for more information on this important coverage.

Here are the three major differences between RV insurance and standard auto insurance:

Ease of pausing RV insurance policies

A standard auto insurance policy is typically designed to offer continuous coverage with no seasonal breaks at any time of the year. On the other hand, many RV insurance policies offer features that make it very easy to temporarily stop coverage in the off-season while RV owners keep their RV in storage. This is a feature that many RV owners might want to take advantage of. 

The division into three different classes

RV owners need to purchase RV coverage based on what class RV they own. RVs are classified as Class A, Class B, or Class C vehicles. These classifications are generally based on the size of the RV model in question. 

Full-time coverage for RV residents

RV insurance providers know that some RV owners live in their RV full time. That’s why they provide more coverage to policyholders with full-time coverage in the event that an RV needs to have repairs that will last an extended period of time. In this case, full-time coverage for RV owners will cover the costs of finding alternative lodging while the covered RV is being repaired. 

Give Us A Call

At Carr Insurance Group in Maryville, TN, we can help you find insurance solutions for all your RV insurance needs. Get in touch with us today if you have questions about our RV insurance policy offerings. We can offer you a quote and provide you with any other information you need to find the right RV coverage. 

Having an RV in Maryville, TN can be fun and exciting with the many RV parks available for people looking to have a good time. However, to explore even more of what the city has to offer with your RV, you should consider insuring it. You will enjoy peace of mind without the constant worry of financial loss if anything unfortunate happens. As Carr insurance Group explains, here are a few types of coverage you could opt for.

Bodily Injury Liability

This type of coverage comes in handy if you get into an accident where you are at fault, and someone gets injured. It will help cover medical bills, including medication, doctor appointments, and ongoing care.

Property Damage Liability

You might get in an accident and end up causing damage to someone’s property, including a car, fence, or mailbox. Property damage liability helps cover those expenses arising from that damage.

Collision Coverage

Collision coverage helps cover repairs to your RV when it gets damaged in an accident with another car. Even in an accident involving your vehicle only, such as a rollover, this coverage will still pay for the resulting expenses, ensuring you are back on the road in no time.

Comprehensive Coverage

This type of coverage pays for damage caused by theft, fire, vandalism, natural disasters, and falling objects, among other things. Any damage that is not as a result of a collision can be covered here.

Uninsured/ Underinsured

This coverage offers you protection against drivers that are either uninsured or lack adequate insurance to cover damages like injuries and the cost of repairing the RV after an accident. It can also protect you if you get involved in a hit-and-run accident.  

If you are looking for insurance coverage for your RV in Maryville, TN, you must ensure you are picking the right policy that will offer you protection. Therefore, to better understand these types of coverage, you can contact us at Carr insurance Group where we are ready to assist you in picking the right policy.

When you are in the Maryville, TN area, finding a way to experience all that the state and surrounding area offers is critical. One great way to do this is by getting an RV, which will offer you a place to sleep and drive. Those that do get an RV here do also need to spend time assessing their insurance needs. There are a variety of advantages that come with a full RV insurance policy. 

Coverage for Asset

One of the primary advantages of an RV insurance policy is that you will receive appropriate coverage for your asset. Any RV that you could buy will take a big initial investment. If your RV is stolen or damaged, you could lose your investment entirely. If you invest in a new RV insurance plan, it will offer you coverage to repair or replace the vehicle if you incur any loss.

Insurance Gives Liability Protection

Someone who will drive an RV will take on some unique forms of liability coverage. You could be held liable if you cause an accident while driving or if someone is hurt while they are visiting you in the RV. A great way to protect against this risk is by getting a new RV insurance policy, which will include a certain level of liability coverage. 

Anyone in the Maryville, TN area and is interested in an RV insurance policy should call the Carr Insurance Group team. When you call the Carr Insurance Group team, you can learn far more about your different risks and options for insuring against them. The team will then offer the guidance needed to choose a quality insurance policy.