Recreational Vehicle Insurance in New Brighton, MN
Recreational vehicles may be fun to operate, but they can be costly to repair or replace. If you want to protect your property with the most appropriate insurance policy for your needs, Dean Olson Insurance Agency is here to help you.
What Is Recreational Vehicle Insurance?
Recreational vehicle (RV) insurance is a specialized type of insurance designed to protect RV owners from financial losses due to damage, theft or other covered incidents. Specifically, it may cover:
- ATVs
- Campers
- Coaches
- Toy haulers
- Motorhomes
- Off-road vehicles
- Trailers
Policies may differ by insurer, but a standard RV coverage may provide the following:
- Comprehensive coverage—This type of coverage may protect you if your vehicle is damaged by certain natural disasters, falling debris, theft, or vandalism.
- Collision coverage—This coverage may pay for damage resulting from a collision with another vehicle or object.
- Liability coverage—This may cover legal and other expenses if you are found liable for third-party property damage or bodily injuries while driving your RV.
- Uninsured/underinsured coverage—This coverage may be beneficial if you are hit by a driver with little or no insurance, or if you are involved in a hit-and-run incident.
Is Recreational Vehicle Insurance Required?
In Minnesota, liability insurance is required for RVs that are self-propelled (such as motorhomes). Your bank may also ask for proof of a policy if you’re financing your vehicle. Even if it is not required, insuring your RV is still recommended if you want to avoid the expense of paying damages or liabilities out of pocket.
How to Get Recreational Vehicle Insurance
Contact Dean Olson Insurance Agency today to learn more or receive a free quote.