What should my RV insurance cover in Federal Way, WA?

Your RV is both a vehicle and a home. Each is unique, offering a variety of sizes, furnishings, and amenities. Hart Insurance knows that your RV insurance should be just as personalized.

Located in Federal Way, WA, our agents can build an individualized policy that’s right for you. Although any plan is customizable with several available options, Hart Insurance shares five coverages you should consider including in any RV insurance package.

Collision coverage

It’s as simple as it sounds. This covers any damage that results from a collision. Most vehicle policies will include collisions, and it applies regardless of who is at fault.

Comprehensive coverage

Any damage or destruction that doesn’t result fromĀ a collision falls under comprehensive plans. Although every policy will list covered events, this likely includes natural disasters, falling objects, and theft.

Liability

Liability is common in nearly every insurance policy. This is recommended for motorized RVs. But these cover you, not the vehicle. Liability reimbursesĀ for bodily injury, property damage, and legal expenses if you are determined to be at fault..

Uninsured or underinsured motorist

Other drivers on the road could pose a risk too. Be prepared. If you are involved in an accident with another motorist who has inadequate insurance, this kicks in. Property damage, injury payments, and even lost wages may be covered.

Personal Property

While most of this list applies to auto insurance also, personal property policies are the exception. This is much more similar to homeowners’ or renters’ plans. Your belongings on the inside of your ride are protected against theft, damage, or destruction.

Find an agent serving Federal Way, WA

Select an RV insurance policy that’s as unique as your vehicle itself. Hart Insurance can help find the ideal plan that best protects your interests. Schedule an appointment today.