Category: RV Insurance

Seasonal Damage That May Be Covered by Your RV Insurance Policy

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Hurricanes, hail, heavy rains, and ice that occur seasonally can impact the overall condition of your RV. Addressing these seasonal concerns is crucial when acquiring your RV insurance policy. Certain types of coverage can protect your RV against unforeseen weather events.

Weather Patterns

Pay attention to the weather patterns in the region where you plan to use or park your RV. If you actively use your RV during times when weather conditions may become turbulent, it’s wise to seek additional insurance coverage for your vehicle.

If your RV will be parked outdoors or in an uncovered area, you should also consider the type of coverage needed to protect your vehicle from potential damage.

Coverage Benefits

Compare different types of coverage to familiarize yourself with the benefits each one offers. For example, property coverage protects your RV from body damage and mechanical failures.

Insurance protection can cover the cost of inspections and professional repairs. Total loss coverage, on the other hand, pays for the replacement of a recreational vehicle that is severely damaged or destroyed. This type of coverage allows you to acquire a new RV of equal value to the one damaged by a catastrophic event.

Seasonal Guidance

Use standard seasonal weather patterns as a guide when determining the amount of RV insurance you need for specific times of the year. Update your insurance policy accordingly to ensure comprehensive protection.

Contact An Insurance Agent in Flatwoods

When you’re ready to acquire insurance coverage for your RV, contact an agent at Roark Insurance Agency. A qualified representative from our agency will prepare your RV insurance documents and answer any questions you may have.

Kentucky RV Insurance Requirements

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Before you back out of your Flatwoods, KY, driveway in your RV, make sure you carry the proper insurance. If you drive your truck or SUV and tow your RV, such as a towable pop-up trailer or fifth wheel, you don’t need a separate RV policy. For any RV that you drive, the state of Kentucky requires insurance on it. At Roark Insurance Agency, we provide the RV insurance you need to remain in compliance with state law.

What Insurance Does Your RV Need?

RV insurance falls into the category of motor vehicle insurance. Like other forms of insurance that cover motor vehicles, the policy purchased must meet state minimum requirements. If you recently moved to Kentucky, you’ll need to update your RV insurance to meet this state’s insurance requirements of:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury per accident
  • $25,000 for all property damage per accident
  • $10,000 personal injury protection (PIP) per person.

Once you’ve met the state requirements, add coverage like comprehensive and collision to protect your vehicle. Comprehensive reimburses you for repairs to your RV if a peril named in the policy damages it. Examples of perils include fire and tornado. Collision reimburses you for repairs to your RV if it gets damaged in an accident of any kind.

A few lesser-known coverage types can provide vital help when traveling in your RV. Roadside assistance coverage provides a tow truck, locksmith, or mechanical assistance to your location. If you run out of gas on the interstate, call roadside assistance, and they’ll bring a gallon of gas to you so you can reach a gas station. Rental car coverage pays for a rental car or RV if your RV must go into the shop for repairs or gets totaled in an accident.

Contact Roark Insurance Agency Today

Contact Roark Insurance Agency today for an RV insurance review. Let us help you protect your finances while you enjoy the country in your RV. Don’t leave Flatwoods, KY, without proper insurance coverage.

Do I Need RV Insurance All Year Even When Not Using My Vehicle?

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You may know the value of having RV insurance on your vehicle while you are on the road. It can be critical if your vehicle breaks down or suffers damage due to vandalism. Yet, what happens at the end of the season when you pack it away for the year? There are still very important reasons to maintain RV insurance. Our team at Roark Insurance Agency in Flatwoods, KY can help you ensure your policy matches your needs.

How RV Insurance Continues to Protect You

Even when you are not using your vehicle on a consistent basis, it is still a very valuable asset, and problems can occur to it while in storage. For example, your vehicle could be stolen or could be vandalized. In situations like this, you may not know of the problem for quite some time and need to file a claim to get coverage. Other risks include fire to the location or other acts of nature. These are real threats that continue to remain present.

You May Wish to Alter Your Coverage

It may be possible to make adjustments to your RV insurance to ensure it matches the way you use your vehicle. Your insurance agent, for example, may recommend choosing a storage-only RV insurance policy. This may reduce costs but may also be more appropriate if your RV is going to be stored for a long period of time. Be sure to choose the proper coverage for it.

Let Our Team Offer a Quote for You Now

Turn to Roark Insurance Agency in Flatwoods, KY for help with your vehicle’s insurance coverage. Our RV insurance policy can be customized to meet your expected needs, saving you time and money when an incident occurs and you need to file a claim. 

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