Contact K&N Insurance Brokerage Agency Today For Affordable Car Insurance

For a RV to be on the road legally, most states require a minimum amount of insurance. If you are looking for a RV insurance policy that provides the coverage you need, look no further than K&N Brokerage.


What Does RV Insurance Mean?

RVs are also known as trailers, campers, motorhomes, and many other names. Whether you use your RV as a permanent residence or as a vehicle for road trips and vacations, you will require RV insurance for your financial protection. A  RV insurance policy is a contractual agreement between you and an insurance company where you pay premiums in exchange for financial protection in the event of an accident, damages, and many more. Most states require that RV owners get liability coverage but you can choose to add on other options including collisions, medical payments, total loss replacement amongst many others.

Although there are certain steps we can take to reduce the chances of accidents occurring, the risk cannot be eliminated completely. When you are responsible for an accident caused by your RV, an insurance policy will cover the costs of damages owed to the victims. Depending on the policy you take out, this can also cover damages caused to your RV due to theft, vandalism, extreme weather conditions, accidents involving animals, and more. Without insurance, these costs will have to be paid out of pocket, which can be a financial strain for many people and households.

In most states, the same amount of liability required for a car is also mandatory for RVs. This makes it easy for RV owners to determine how much coverage they need at a minimum. However, a separate insurance policy can be required if your RV is also a motorhome, if it is a rental vehicle and if you are financing it through a lender. Most lenders will require that RV owners take out comprehensive coverage for the duration of the loan to prevent any losses to themselves. There are exceptions if your RV is towed by another vehicle or if you live in a state that doesn’t require RV insurance.

The first step towards getting RV insurance is to get a quote. This will depend on many factors including the size and class of your vehicle, the type of coverage you want to get, and more. After getting a quote, you will need to prepare all the required documents. The entire process can take up to weeks. If you are financing your RV through a lender, they may take out a policy and charge it to you.

Why Choose K&N Brokerage?

At K&N Brokerage, our RV insurance specialists are familiar with the laws surrounding RV insurance policies and can advise you on the most suitable coverage to fit your needs.

If you have questions about K&N Brokerage’s RV insurance specialists, contact us at 833-840-8500 or email [email protected].