RV insurance, also known as recreational vehicle insurance, is a crucial coverage for your RV while you’re on the road in Amsterdam, NY. It helps cover damages to your RV, allowing you to enjoy the beautiful sites and scenery without worrying about out-of-pocket expenses after an accident. However, it’s important to note that other factors, such as natural disasters, can also cause damage to your vehicle.

Types of RV Insurance

Recreational vehicle insurance often offers the same coverage options as car insurance. Limited liability protection covers the other person’s vehicle and bodily injuries in case of an accident. Collision coverage, on the other hand, covers your RV if a collision occurs that doesn’t involve another car, such as hitting a telephone pole.

Comprehensive coverage covers other types of damage to your RV, such as those caused by floods, hail, or tornadoes. Some policies also cover theft and vandalism. It’s always a good idea to read the fine print on your policy or consult with an agent at Kinowski Agency Inc. to determine what coverage is offered.

Acts of God

Some policies specifically exclude "acts of God." This term refers to anything natural and beyond anyone’s control, such as a tree falling on the recreational vehicle or a natural disaster. The terminology can be confusing because they’re referred to as an act of God instead of a natural disaster or a specific disaster, such as a tornado.

Other policies may require additional coverage for specific areas. For instance, it’s common to see insurance requirements for flood-prone areas include additional flood coverage, or the insurance company won’t cover flood damage.

Understanding an insurance policy to determine exactly what’s covered can be confusing. Thankfully, our agents at Kinowski Agency Inc. can help you understand what’s covered under your policy. Contact us today to learn more about covering your recreational vehicle before a natural disaster hits. We’re currently serving the Amsterdam, NY area.