Why invest in things when your RV or camper trailer lets you collect moments with the people and places you love most? At Anton Insurance, we understand the mobile life. Whether you spend a couple of weeks a year on the road or plan to enjoy the entire summer seeing the countryside, we’ve got the insurance coverage you need to be a happy camper.
Who Needs RV & Camper Insurance?
Insurance is required to operate a motor vehicle on public roads in Wisconsin, and that includes recreational vehicles. Beyond the legal requirements, however, RV insurance is an important part of protecting your household against major financial losses – including those which are liability-related. At Anton Insurance, we can help you better understand the various risks associated with RV and trailer ownership, as well as the different coverage types that can help reduce your financial vulnerability.
Examples of RV and trailer-related losses include:
- Fire and smoke damage
- Theft or vandalism
- Guest injuries during campsite visits
- A highway accident or rollover
- Breakdowns requiring towing, emergency shelter, and alternate transportation home
- Campsite burglaries
- Damages caused by inclement weather
Types of RV Insurance Coverage
Your RV insurance will likely include several different components. Some may protect you against losses during travel, whereas others may be designed for coverage while your vehicle is being used as a temporary residence.
Bodily Injury and Property Damage Liability
If you cause an accident that results in injury to a third party or damage to their vehicle or property, you may be held liable. Bodily injury and property damage liability insurance helps cover the cost of victim medical bills, repair bills, and related expenses. It can also cover your defense costs and judgments against you if you are sued. When choosing your liability limits, keep in mind that you may have to pay for any overages out-of-pocket once you exhaust the limits of your coverage. Talk with your agent about your options for high-limit coverage that better protects your income and assets against potential losses.
If a collision leaves your RV damaged or destroyed, collision insurance can help compensate you for the cost of repairs or the loss of your RV if the cost of repairing it exceeds its value.
Like collision coverage, comprehensive insurance protects you against financial losses related to physical damages to your RV. The difference is that comprehensive coverage pays for non-collision damages, such as when a bear destroys part of your trailer at a campsite or a tree falls on your RV during a storm.
You cannot control the actions of others. That includes forcing them to drive safely and purchase adequate liability insurance. If you are injured in an RV accident by an uninsured at-fault driver, your uninsured motorist coverage can help compensate you for your expenses. Similarly, underinsured motorist protection can fill in coverage gaps when an at-fault driver’s liability limits are too low to cover your injury-related expenses.
When a covered RV accident leaves you or your passengers injured, the first step is to seek necessary medical attention right away, regardless of caused the collision. The medical payments section of a typical RV insurance policy can help pay for these upfront costs with limited payment for medical expenses. Although the coverage does not take the place of or eliminate potential liability, it could be enough to cover an emergency room bill or health insurance deductible.
Things don’t always go as planned while camping. If you are at fault for third-party injuries or property damages while your RV is parked, vacation liability coverage can help pay your financial liability.
Awnings offer functionality and aesthetics to your RV or trailer. Many of today’s vehicles are equipped with electric versions that can be very expensive to replace. With RV awning insurance, your insurance can help cover the replacement and installation of a new awning when yours is damaged due to a covered event.
You know your RV insurance covers the structure of your vehicle, but did you know it can also cover the personal belongings inside it? With personal property coverage, you can obtain compensation for damaged, destroyed, and stolen personal items like phones, small appliances, clothing, and more.
If you planned to visit an East Coast beach, but a mechanical failure barely lets you make it past the Great Lakes, you may need a rain check on your visit. Trip interruption coverage can help pay for a hotel room, meals, and alternative transportation so you can make it safely home.
How to Save on RV and Camper Insurance
We know how important it is to save money on RV and trailer insurance. Although you want quality coverage that safeguards you against loss, you also know that lower premiums equate to more money you can spend on RV upgrades or even souvenirs of your travels. By working with an independent insurance agency like Anton Insurance, you gain access to competitive rates and quality coverage from several of Wisconsin’s leading RV and trailer insurance providers. We can help you assess your risks, determine your coverage needs, shop for a policy, and then find discounts to maximize your savings.
Examples of common RV insurance discounts include:
- Claims-free discounts
- Accident-free discounts
- RV safety course discounts
- Multiple-vehicle discounts
- Multiple coverage lines discounts
- Paid-in-full discounts
- Anti-theft and safety discounts
- And more
To find out more about Wisconsin RV and trailer insurance solutions and how Anton Insurance can help you save, contact our office to request your free quotes today.