What Additional Coverages Do You Need on Your RV Insurance This Summer?

With the summer months here, it's time to get the RV out and head out on your first road trip of the season. One thing you may not have thought about, though, is your Recreational Vehicle insurance. Some RVs may come with a policy, but is it right for you? Does it provide all of the coverage you really need? Before you decide where you are heading this summer, consider how well protected you will be on the road.

Check Your Current Policy

According to the Pennsylvania Recreation Vehicle and Camping Association, RV ownership has topped record levels. In fact, one in twelve homes that own a vehicle now owns an RV.  When you own an RV, you need insurance. You should consider both liability insurance and comprehensive coverage for your vehicle. Liability insurance is a requirement in all states to operate an RV. However, comprehensive insurance is often also necessary because it ensures your RV's value is protected in case of an accident.

What About Add-Ons?

Don't stop there, though. Sometimes, you simply need to seek out additional coverage to ensure your RV remains protected from any possible bad event. According to Driving.com, people who own and park their RV don't need the same coverage as someone who lives in their vehicle. If you are getting yours ready to take out for various road trips, your needs are likely different. Consider the following add-ons and how well they can fit your specific needs.

Roadside Assistance

This will provide your RV with aid if it breaks down. On your long road trips this summer, there is no telling what could happen. If a mechanical issue takes place, it can be costly to tow an RV -- and even more expensive during holiday weekends. For this reason, it is often best to have roadside assistance available to help you no matter where you are.

Medical Payments

Another type of add-on to consider is medical payments. This type of insurance will cover your medical expenses related to an accident that occurs in a covered instance. For example, if you are injured, this type of policy ensures your medical payments are covered.

Vacation Liability Coverage

This type of insurance pays for liability costs that stem from accidents that occur while you are in the RV. Vacation liability will have set limits for bodily injury and often includes property damage insurance as well. If you are found to be legally responsible for some type of incident or damage to a person or a person's property, this type of insurance can help cover those costs.

Other add-ons include pet insurance if you are bringing your animal along and added coverage for expensive equipment you have on board. Having replacement cost insurance is useful in that situation.