Consider These Tips When Buying An RV

If you’re looking for a family- friendly way to travel the country, you might want be considering purchasing an RV.

An RV (or recreational vehicle) serves two purposes — that of a vehicle and of a temporary living space. This dual nature makes them great vehicles to explore the country in. Some RV owners even use their RVs as permanent residences that can move with them from place to place.

The right RV will keep you happy for years to come. But RVs come with a high amount of risks and liabilities, so it’s critical that you get RV insurance to protect your vehicle while you are on the road.

How much coverage do you need to get? That can depend on what type of RV you’re planning to purchase, and how you’re planning to use the vehicle.

Consider these factors as you purchase an RV. They can help determine which RV insurance policy you need, and even impact your insurance rates.

Which Type of RV Are You Buying?

RVs come in different shapes and sizes. They are typically divided into two groups — motorhomes and tow trailers. Motorhomes include engines and driver controls, while tow trailers that attach to another vehicle with a trailer hitch, such as a pickup truck or an SUV.

The type of RV you buy will likely affect your RV insurance coverage. A trailer might come with risks not associated with a motorhome, or vice versa.

How Will You Use Your RV?

Often, RV insurance covers almost every use you can think of — including transportation, stationary and interior risks. However, you should still consider what the primary uses of the RV will be.

Are you planning to park your RV in one location for most of the year? Looking to use your RV on dirt roads? These factors may impact the type and amount of insurance coverage you need.

Where Will You Keep the RV?

If you live in your RV full-time, your insurance rates might be different than they would be if you stored your RV part of the time.

In fact, you can often adjust your insurance coverage when you store your RV for a long period of time. Storage coverage removes on-road risks from your plan and adds enhancements to better protect storage risks.

Use This Information to Get the Right Insurance

Share all your RV usage intentions with your insurance agent. That way, they can help you choose the best coverage for your vehicle.

Let us help build a policy with the right coverage options that are right for you. Call Guardian Insurance today at (855) 554-6482 for a free Atlanta GA RV insurance quote.