Camping and road-tripping is a premium pastime here in America’s Midwest. For those serious about exploring outdoors, owning an RV or camper is the ultimate goal, making it possible to take your home with you nearly anywhere you go. At Midwest Insurance Solutions, we offer policies uniquely customized to the needs of an RV, camper, or trailer owner. Whether you are behind the wheel of your motorized rig or using your camper as a temporary residence at a campsite, we have the coverage you need to minimize your financial risks.
Know Your Coverage Needs
Insurance needs vary depending on a number of factors. For example, a decades-old pop-up camper is going to need less coverage than a brand new RV that serves dual purposes for both transportation and lodging. Since recreational vehicles themselves can be complicated, it makes sense that insurance coverage can be, too. That is why we recommend working directly with an independent agent who can provide support and advice every step of the way.
Assessing Your Risks
When you choose Midwest Insurance Solutions, you are partnering with a local agency that is committed to providing clients with comprehensive coverage custom-tailored to fit your needs. We will assess your risk exposures based on many components, including the type of rig you own, how often you use it, where you take it, and more. From highway accidents to theft and fires, we can help you find coverage that protects against it all.
Types of Coverage
Insurance for RVs, campers, and trailers usually includes several types of coverage. Some, such as motorized RVs, will have more coverage inclusions than others that are not independently mobile.
It doesn’t matter how badly your RV is damaged, what matters is that you have coverage that protects you against physical damages to your RV or camper. From rollovers and wildlife run-ins to storm damage and fallen objects, physical damages protection can compensate you for the cost of repairing your rig after a covered event.
RV Awning Coverage
It may not be the first thing you think of when it comes to your risks, but your awning requires coverage, too. With the right policy, you could save yourself hundreds or even thousands of dollars in awning replacement costs when your awning is damaged due to a covered event.
At home, you have renters or homeowners insurance to help mitigate your risk of a lawsuit. On the road, you need a dedicated policy that protects you against litigation when your RV or camper is parked and being used as a temporary residence.
If you one day lose control of your RV and cause a highway pileup, you will likely find yourself wrapped up in litigation. Liability insurance helps cover your financial responsibility for a victim’s medical bills, bodily injuries, and related expenses when you are at-fault for a collision or accident.
Other Coverage Options
There are several other coverages that may be included in your RV or camper insurance policy. Examples include:
- Uninsured/Underinsured Motorist
- Personal Belongings Coverage
- Medical Payments/Personal Injury Protection
- Trip Interruption
- Roadside Assistance
- And more