What Is Vacation Liability RV Insurance?
Simply put, vacation liability RV insurance is a type of liability coverage that protects you when your RV is parked at a campsite.
Liability coverage is generally the part of your insurance policy that will help you pay for things like lawsuits or medical bills if you’re at fault for someone else’s damage or loss. For instance, if someone tripped in your RV and suffered an injury, then they would have to pay for medical care. In insurance terms, you would be liable for that person’s financial damages as a result of that accident.
There are a few different types of liability coverage that you will need to properly insure your RV. Certain types of liability coverage are even required by state laws (except in New Hampshire and Virginia). Let’s take a look at where vacation liability RV insurance fits into that picture.
What Type of Liability Coverage Is Required?
In every state except Virginia and New Hampshire, there are laws mandating liability coverage for your RV while it’s in motion. For this, you’ll need property damage/ bodily injury liability coverage. Property damage liability covers you when you accidentally damage someone else’s property with your vehicle. Bodily injury liability applies when you accidentally cause an injury to someone else with your vehicle. If you have a travel trailer, you might be able to include your RV in your pre-existing auto policy. Make sure to consult an insurance agent about bundle discounts and other ways to save money on your RV insurance.
Do I Need Vacation Liability RV Insurance?
Yes, even though it’s not required by state law, you still need vacation liability RV insurance for full coverage. Property damage/ bodily injury liability coverage is important, but it only applies while you’re driving. If this is the only liability coverage you have, then you won’t be protected once you arrive at your destination.
Vacation liability RV insurance will kick in after you’ve parked your RV at your campground. This will cover you for any property damage or bodily injury that you accidentally cause to someone else. While it’s intended to cover your RV, that’s not where it ends. This coverage will extend to items like your grill that are your property.
This coverage can be extremely important when accidents happen during your RV adventure. If someone trips over a camp bag and breaks their arm near your RV, vacation liability will cover your part of their medical bills. If your grill sparks and causes a neighboring RV to catch on fire, vacation liability will cover your part of the replacement cost.
Save Money on Liability Insurance for Your RV
Chatting with an insurance expert is a great way to have the peace of mind that you are getting the best possible deal on your insurance premium. At TGS Insurance, our knowledgeable agents are ready to walk you through all of your options! If you aren’t sure how much insurance is right for your specific RV and budget needs, we’ve got your back. Get started with a no-strings-attached quote on your RV insurance, and we’ll shop our roster of over 55 A-rated carriers. Learn how to save on your insurance today!