Enjoying your RV means you can often use it in unique, different ways. There are times when you pull off the road and enjoy the peace and quiet of a scenic location. However, even after you stop moving and start relaxing, your RV usage still poses risks.
Whenever you occupy a parking space, you may cause injury or property damage to someone else. When you park, your collision and comprehensive auto insurance coverage may not cover certain risks associated with your occupancy of a site. You should consider investing in vacation liability insurance as extra protection.
What is Vacation Liability RV Insurance?
Let’s say you stop your RV at a campground and set up shop. You might make a fire to cook meals. There’s a chance that a burn from the fire might seriously injure one of your camping guests. Or, perhaps, you might have brought your dog on the trip. At some point, the dog might break loose from the RV and bite another camper at the campground.
Each of these incidents is a liability risk. Should a third-party injury occur in the RV site, the injured party may request help or sue for compensation. Should your actions lead to the damage, you might be able to turn to vacation liability insurance. It may help you provide assistance to the harmed party or cover any legal costs.
Some insurers call vacation liability insurance campsite liability insurance. It may cover risks not associated with the operation of the RV, but rather the usage of temporary RV residential areas.
In many ways, a vacation liability policy mirrors the similar full-timers coverage. Full-timers coverage covers liabilities associated with permanent RV residency. In this vein, vacation liability policies may be able to better address the residential risks of the RV owner.
Ensure You Have the Right Coverage
If you’re considering vacation usage of your RV, consider this liability insurance. It can often cover a wide range of third-party injuries, property damage or other harm that may affect RV owners.
Not every RV policy automatically comes with vacation liability coverage. You may have to add it as a rider to your standard coverage. Furthermore, never assume that your standard homeowners liability or RV auto liability insurance will extend coverage to your RV.
Talk to your insurance agent about potential liability risks based on your RV usage. They can help you get appropriate coverage.
Need Perkasie RV insurance? We can help. Call The Weimer Group at 877.791.1707 for a fast, free policy quote.