Life on the road comes with unique hazards and risks. Whether you are taking a weekend camping trip or spending an entire summer exploring the nation’s national parks, you need RV or camper insurance to give you peace of mind and safeguard against loss. Before your next trip, talk to an agent here at Burstad Insurance to assure you and your passengers are protected with quality coverage at a competitive price.
RV and Camper Risks
Whether you drive it or tow it, there are risks associated with owning your RV or camper. Even hobbyists who only take their rigs out a few days each year are still vulnerable to loss both on and off the road. You could collide with another vehicle in transport, suffer personal theft and vandalism at a campsite, or even lose your RV to a fire at your own home. Damages can range from minor repairs to a complete loss or liability worth tens of thousands of dollars or more.
To mitigate these risks, we recommend RV and camper insurance protection that offers comprehensive protection against a wide range of risks. Our policies not only hold up to Wisconsin state laws surrounding motor vehicle insurance coverage, but they can also help you remain compliant with the insurance requirements of your lender or campground host. Most importantly, however, we work hard to deliver coverage that meets your individual needs so you can enjoy RV ownership no matter where you go.
Types of RV Insurance Coverage
Wisconsin RV and camper insurance policies usually include multiple types of coverage. Although your needs may vary depending on whether your rig is motorized, the team here at Burstad Insurance can help you navigate the various options available to you and make recommendations based on your unique risk factors. Your coverage may include:
Bodily Injury and Property Damage Liability
Driving an RV or carrying camper is not as easy as operating a traditional motor vehicle. There are blind spots to contend with and a heavier load to manage. If you cause an accident that injures another driver and their passengers, you could be liable for the medical expenses and other related costs. Bodily injury liability insurance helps pay for your financial responsibility, as well as judgments and legal fees if a victim sues you for compensation of damages. In the same way, property damage liability insurance can cover third-party property damages up to the limits of your policy.
Home is where you park it – at least while you are on vacation, anyway. That means you may also be liable for third-party injuries and property damages you cause while stationed at a campsite. Vacation liability insurance can help cover your financial responsibility, as well as your legal fees if you are sued for incidence occurring while your RV is used as a temporary residence.
Collision and Comprehensive (Physical Damages Insurance)
Some motorhomes can cost as much as many traditional homes. No matter how much you invested in your rig, make sure you are covered against potential damages and loss with collision and comprehensive insurance. Collison insurance helps pay for repairs to your RV if it is damaged in an accident or rollover. Comprehensive insurance covers the cost of repairs when your RV or camper is damaged by non-collision events, such as fire, theft, or fallen objects. If your RV or camper is deemed a total loss, your insurance can compensate you for its cash value. (Note that some insurers may offer total replacement coverage for new RVs at an additional premium.)
Uninsured (UM)/Underinsured Motorist (UIM)
The cost of treatment for injuries can be expensive – particularly if you or your passengers are injured by an uninsured driver. Make sure your RV insurance includes UM to pay for your injury-related expenses if you are the victim of a hit-and-run or a driver who has no liability insurance. We also recommend UIM coverage in case you are injured by a driver who has too little insurance to cover your injury-related losses.
If you or a passenger is injured in an RV accident, medical payments can provide compensation up to a pre-determined limit to help cover hospitalization and other necessary medical expenses. This coverage is no-fault protection, meaning it pays benefits regardless of who caused the accident.
If your awning is pushed down and destroyed during a sudden rainstorm, it could cost hundreds or even thousands of dollars to replace. Talk to an agent here at Burstad Insurance to find out how you can include awning coverage in your RV or camper insurance policy.
Personal Property Theft and Damage
Imagine returning to your camper after a long day of hiking only to discover your belongings have been stolen. From theft and vandalism to fire and smoke, there are many ways your personal property could be damaged while traveling. Make sure you are covered for the loss of your belongings with coverage that extends to personal property.
When an RV trip is interrupted due to an accident or other covered event, you lose your transportation and shelter in one fell swoop. Your insurance can provide coverage for a last-minute hotel and transportation home if your next trip does not go quite as planned.
Central and Western Wisconsin RV & Camper Insurance
The team here at Burstad Insurance is well-versed in the insurance needs of Wisconsin RV and camper owners. We know what is important to you and the types of coverage that could safeguard your family against financial devastation. We can shop and compare rates and policies from multiple insurers, as well as show you ways of saving on premiums. Examples include:
- Staying safe and claims-free
- Storing your RV or camper in a low-risk environment
- Considering a higher deductible
- Qualifying for insurer discounts
For more information about Wisconsin RV and camper insurance or to request your free quotes, contact our office today. We look forward to serving you soon.