What to Know About RV Insurance in Santa Cruz

People who own Recreational Vehicles need to consider what type of RV Insurance in Santa Cruz is right for them. There are several different types of Recreational Vehicles, so the first thing that an insurance buyer needs to do is determine which category their RV falls into. The categories of Recreational Vehicles that need to be insured include: Class A motor homes, Class B motor homes, Class C motor homes, utility trailers, pop-up campers, large campers (non pop-up style,) travel trailers, and horse trailers. Most insurance companies have a limit on the amount of value they will cover in total, for example they may have a $1 million limit on the motor homes they cover and a $250,000 limit on the travel trailers that they cover.

Another thing to consider when buying RV Insurance in Santa Cruz is whether the insurance company will cover the vehicle for both personal and business use. Some insurance companies only provide coverage for Recreational Vehicles that are used for personal recreation purposes. This means that RVs used to commute to work or RVs that serve as lodging while on the job will not be insured by some insurance companies, so be sure to get the proper coverage if work will be a factor in driving.

For people who don’t use their RV all through the year, companies like Coastautoinsurance.com make it easier to save money by offering a special type of coverage. For people who use their RV only seasonally or for a few months every year, it is possible to keep the RV stored and only keep comprehensive coverage active during that time. There is no need to have the vehicle insured for collision if it never hits the road, after all. This can greatly reduce the monthly bill and make it easier to truly enjoy the RV only when it’s needed. Many insurance companies put a minimum on a number of consecutive days that the RV is stored to start this type of storage coverage. For example, the requirement may be that the RV is stored for a total of 90 consecutive days before storage coverage can begin. Call your insurance agent to find out more about this type of coverage today.

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