Are you aware that there are different levels of RV (recreational vehicle) insurance? It might not be clear which coverage you should get for your specific situation. It can be beneficial to talk over your options with an agent from Maschoff Insurance of the Ankeny, IA area.
RV Insurance Requirements in Iowa
In the state of Iowa, you actually aren’t required to have RV insurance for RVs if you aren’t driving them. If you have a trailer that is attached to another vehicle or an ATV that you’re transporting on the back of a truck, you won’t need to insure it. If you have any doubt about whether your RV applies, ask your agent.
Liability is the basic type of coverage you can get and is what’s typically required by law. The way this is used is that it helps pay other people’s property damage and medical bills if you’re deemed to be at fault for an accident. It doesn’t cover damages to your own vehicle.
A collision policy is what you would get in order to have coverage for your own vehicle’s damages. It covers either repairs or replacement after the amount of your deductible has been met.
Not all accidents happen when you’re on the road. Other incidents that cause damage such as fire and inclement weather are covered under a comprehensive policy. It covers most things that can happen to your RV.
Underinsured and Uninsured Motorist
If your RV is hit by a driver who doesn’t have insurance at the time, you might need to pay for your repairs entirely. If a motorist who’s at fault is underinsured, the policy might not cover damages to your RV. When you have an uninsured and underinsured motorist policy, you won’t have as much of a burden.
A valuables policy protects the items that are in your RV. If you plan to transport valuables or know that you’ll occasionally have such items in your car, this coverage is ideal.
When you are about to sign up for RV insurance in the Ankeny, IA area, look no further than Maschoff Insurance. Our agents go above and beyond to assist new and regular customers. Contact us today with your questions and to set up your insurance.