Toy Vehicles Information

When you purchase a recreational vehicle (RV), protecting that investment is essential. Whether you buy a motorhome, pop-up camper, boat or other toy vehicles, you should consider obtaining the appropriate insurance policies.

How Does RV Insurance Work?

RV insurance helps provide coverage if you damage your RV or your RV causes property damage and/or bodily injury to a third party. Depending on the incident, your insurer may pay for the losses or injuries up to your coverage limit.

What Does RV Insurance Cover?

A standard RV insurance policy usually includes several coverages, such as the following:

• Physical damage coverage

• Bodily injury and property damage liability

• Uninsured/underinsured property damage and bodily injury

• Medical payments

How Does Boat Insurance Work?

Boat insurance helps protect you, your passengers and your boat while you’re on the water. Boat insurance can help protect a variety of watercraft vessels, including powerboats, bass and fishing boats, pontoon boats, personal watercraft and sailboats. When you have boat insurance, and you damage your boat or cause injuries or damages to a third party, you will be able to file a claim with your insurer. If the incident is covered, your insurer will pay for the losses or injuries up to your coverage limit.

How Much Boat Insurance Do You Need?

The specific boat insurance coverage you need will depend on your boat’s features and how you use it. Some coverages to consider include the following:

• Hull coverage

• Medical payments

• Property damage liability

• Bodily injury liability

• Uninsured/underinsured watercraft

• Personal effects coverage

• Emergency assistance and towing

Insurance Needed for Leisure vs. Living in Your RV

When considering insurance for your RV, it’s important to distinguish between coverage for leisure use and full-time living. Leisure RV insurance typically covers occasional trips and vacations, offering financial protection against accidents, theft and damage while you’re on the road or parked at a campsite. This type of insurance often includes liability coverage, collision and comprehensive coverage, similar to auto insurance.

On the other hand, full-time RV insurance is designed for those who live in their RV for extended periods, often six months or more. This type of policy typically includes additional protection, such as personal liability, medical payments and coverage for personal belongings inside the RV. Full-time RV insurance acts like homeowners insurance, helping to financially safeguard your mobile residence and its contents against various risks. Whether you’re an occasional traveler or live in your RV full-time, securing the appropriate insurance is essential to financially safeguard your investment.

RV & Boat Insurance Quote in Dunn, NC

If you are interested in learning more about your insurance options for RV and/or boat insurance, contact Jones–Byrd Insurance Agency. We will be able to help you find the coverage you need to give you peace of mind during all your adventures.