Recreational vehicles are a wonderful way to explore the open road while keeping the comforts of home close by. But even when your RV is parked at a campground, it isn’t immune to damage. From falling branches and severe weather to accidental scrapes from other vehicles, unexpected incidents can happen anywhere. Fortunately, that’s where RV insurance steps in. Serving Florence, AL, and the surrounding areas, McBride Benefit Solutions offers the RV insurance coverage you need to stay protected.
Coverage for Damage to Parked RVs
If your RV sustains damage while parked, your insurance coverage will depend on the type of policy you have. Comprehensive coverage typically protects against non-collision incidents such as storms, vandalism, or theft. Collision coverage applies if another vehicle or object hits your RV, even if it’s stationary. Ideally, you want a well-rounded policy that protects against any incident you might encounter.
Liability and Property Damage
Liability coverage also plays an important role, especially if your RV damages another person’s stationary property, such as backing into another camper or damaging campground facilities. Having the right liability limits helps protect you from costly repair or medical bills if you’re found responsible for an incident.
Full-Time Versus Part-Time Use
If you live in your RV full time, your insurance needs are more complex. Full-timer coverage acts more like homeowners insurance, protecting your RV and your personal belongings. For those who travel seasonally, standard RV policies offer ample protection during your adventures.
Stay Protected, Even When Parked
Accidents can happen even when you’re not on the road. Contact our team at McBride Benefit Solutions, serving Florence, AL, to review your RV insurance policy and ensure your coverage protects you from every scenario.
