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If you currently own or are considering buying a recreational vehicle (RV), you are likely asking yourself: do I need RV insurance? Like auto insurance, coverage for your recreational vehicle is required. Many states require uninsured or underinsured insurance, and every state requires minimum liability coverage if the vehicle is driven on the road. If your state requires at least 20/40/10 in liability coverage, for instance, then you need bodily injury insurance that covers $20,000 per person, $40,000 per accident, as well as $10,000 per accident for property damage. Keep in mind that state minimum liability limits apply to vehicles that are self-propelled. On a towable RV, such as a 5th wheel, camper or travel trailer, the liability extends from the tow vehicle. Also, state minimum liability limits may not be sufficient for your situation. It's important to have sufficient coverage to protect your assets in a serious accident or lawsuit. Without enough liability coverage, you risk going into debt or losing the things you've worked hard for – your home, car, RV, personal possessions and life savings. Standard coverages for motorhomes and RVsSome basic insurance coverages for motorhomes and RVs include:
Coverages for motorhomes and RVsSome coverages available for motorhomes and RVs include:
Get an RV insurance quoteWhether you use your RV for an occasional vacation or as a permanent residence, Nationwide has the RV coverage you need. We have dependable coverage for motorhomes, RVs and travel trailers. For a free RV insurance quote, call 1-877-669-6877 and be sure to ask about RV insurance discounts. Coverage for recreational and leisure vehiclesThe Personal offers stress-free coverage for recreational vehicles. Get the right insurance for your vehicle. Coverage by vehicle type
Motorhomes (including RVs), truck campers and camping trailersMotorhomes and truck campers can be covered under your auto insurance. Camping trailers can be covered under your auto or home insurance, based on certain conditions.
Boats, personal watercraft and more (e.g., canoes, kayaks, rowboats, pedal boats)Watercraft can be insured under your home insurance by adding specific coverage to your policy. The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the home insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply. What are the four parts of a personal automobile policy?Part A—Liability coverage. Part B—Medical payments coverage. Part C—Uninsured motorists coverage. Part D—Coverage for damage to your auto.
What are the three major parts of a personal auto policy?Most auto insurance policies contain three major parts: liability insurance for bodily injury, liability insurance for property damage and uninsured/under-insured motorists coverage.
What is a personal automobile policy?A personal auto policy is insurance on your personal vehicle. It may include liability, medical payment coverage, comprehensive, or collision coverage, depending on your policy.
Which of the following losses would be covered under the collision section of a personal auto policy?What is collision coverage? This coverage pays for damage done to your vehicle if it collides with another object, such as another car, a utility pole, or fence. This coverage also covers damage for a hit-and-run accident.
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