Boat and RV Insurance

Get Boat and RV Insurance In Queen Creek

If you own a boat or a recreational vehicle, you know it’s never a good idea to go for a ride without having it insured. In some instances, not having insurance may even be illegal. This is especially true for the off-season. As you get ready for boat or RV storage, it’s a good idea to have an insurance policy in place. It’s never a good idea to cancel your insurance even if it’s time to winterize a boat or RV. There are significant risks to leaving your motor vehicle in storage for the winter. If you’re thinking of purchasing a boat or an RV, you would be required to have liability insurance in case of damage or injury done to others in an accident. It’s also important to consider coverage for your boat or RV as well. Different vehicles require different kinds of coverage. If you’re considering purchasing or already owning a specialty-type vehicle, there are many reasons why having a separate policy is so important.

Recreational Vehicle insurance

RV insurance provides protection if you cause injuries or damages to others and could also cover the cost of damages to your vehicle if a covered incident occurs. You can choose from a variety of coverages that will differ depending on how you use your vehicle, may it be recreationally or as a full-time resident. Coverages will also vary depending on how the vehicle is operated. If you drive a motorhome, you’ll need separate liability coverage to stay on the road but if you’re pulling a travel trailer, you would not need separate liability insurance. RV insurance can cover many different types of vehicles including Class A, B, and C motorhomes, travel trailers, pop-ups, and truck campers. 

If you damage your RV or cause injuries to someone else or their property, you can file a claim with your insurance provider. Depending on the incident that occurred, your insurer may pay for the losses or injuries up to your coverage amount. There’s a difference between RV insurance and traditional auto insurance. When you decide to purchase RV insurance you’ll be asked questions about you, your RV, and how you use it. You’ll then be able to select the coverages that can best protect you and your vehicle. What your RV insurance covers depends on the type of policy you select. RV insurance coverage options include liability, collision, comprehensive, uninsured/underinsured motorist, and even RV towing insurance. Higher coverage means a higher insurance premium. 

How you use your RV will determine which policies you’ll need. If you’re using it as a recreational vehicle occasionally, then your premium will be much lower than someone who lives in an RV full-time. It’s important to note that if your RV is a travel trailer towed by another vehicle, liability will be covered by your auto policy as a travel trailer is not a motorized vehicle. There are many standard coverages for an RV insurance policy, such as:

• Physical Damage Coverage - Comprehensive coverage protects your RV from theft, vandalism, windshield damage, acts of nature, rocks and debris, and accidents with animals. Collision covers damages to your RV due to an accident, regardless of fault. Both types of coverages include a deductible. 
• Bodily Injury and Property Damage Liability - This is usually the only required coverage for motorhomes in most states. This pays for damages or injuries you cause while driving your motorhome and covers legal fees that may result from the accident. Travel trailers don’t require liability coverage.
• Uninsured/Underinsured Property Damage and Bodily Injury - If your motorhome is hit and damaged by a driver who does not carry insurance or does not have enough to cover the damage they’ve caused, this coverage may pay to repair or replace (depending on your policy’s limits) for any injuries you suffer.
• Medical Payments - Medical bills may be covered for you and your passengers if you’re in an accident, regardless of fault. Coverage doesn’t apply to travel trailer policies and there are limits depending on your policy.

Boat Insurance

When it comes to insuring your boat, it’s best to separate your boat insurance from your homeowners' policy. Many homeowners’ policies limit or don’t cover marine-specific risks, such as salvage work, wreck removal, pollution, or environmental damage. A boat insurance policy may cover you and your boat against liability damage in the event of a boating accident, including if you injure someone or damage someone else’s property with your boat. If you don’t have a separate boat insurance policy, you’re probably underinsured. Auto and homeowners insurance policies aren’t made to cover boats. Boat insurance coverage varies based on your boat. A typical boat insurance policy includes the following coverage:



• Physical Damage - This coverage insures your boat against damage and loss caused by common risks such as sinking, fire, storms, theft, and collision. The property covered can vary, but the policy will usually cover the hull and other components. When choosing your policy, be sure to ask whether you will be insured for the boat’s replacement cost or its actual cash value. A replacement cost policy will reimburse you for the cost of repairing the boat to its original condition or replacing the boat with the same or similar model. A cash value-based policy will reimburse you for the current market value of the repair or replacement, which is the original price less depreciation. Some insurance policies may include agreed value loss settlement for total loss situations which ensure that you receive the policy coverage limits if your boat is determined to be a total loss.
• Liability Coverage - This coverage applies if your boat causes injury to others or damage to other boats, docks, or structures. The injury or damage can be due to direct contact with your boat or situations caused by your boat, such as large wakes. Boat liability coverage protects you from covered claims and lawsuits including settlement payments and any legal fees. Be sure to talk to your agent about your needs and possible risks your boat may face so that you can buy the right coverage for you.