Whether you are kicking up dust on campground backroads or cruising through the countryside on a scenic highway, nothing comes close to the versatility and convenience of traveling in your RV or popping up your camper wherever the road leads you for the night. Forget mandatory hotel check-out times and expensive nightly rates; with your RV, camper, or trailer, you decide when to hit the road and when to kick back and relax. Of course, with all of this flexibility comes a certain degree of risk. At Couri Insurance, we’ve got the coverage you need to protect yourself against liabilities and financial losses so you can spend less time worrying and more time enjoying your travels.
Do You Need Wisconsin RV or Camper Insurance?
If you operate a motor vehicle in Wisconsin, you must have the minimum insurance coverage required by law. That means that if you own a motorized RV, you will need state-required coverage at a minimum. Likewise, you may be required by certain campgrounds to provide proof of coverage when you park your camper, trailer, or RV on site. However, there is much more to selecting insurance than meeting the mandates of the law and campgrounds. There are ownership and operational risks associated with living part-time or full-time in an RV or camper trailer. Whether your vehicle is parked in a garage, stationed at a campsite, or in transit somewhere in between, you need comprehensive insurance protection that safeguards you against a wide range of financial losses.
Examples of common RV-related losses include:
- Injuries sustained from an RV accident
- Physical damages to your camper if it is struck by lightning at your home
- Damages to your personal belongings and RV after a campsite fire
- Loss caused by theft or vandalism
- The cost of emergency shelter or transportation due to a covered trip disruption
- Legal fees and judgments if you are sued for third-party injuries or property damages after an at-fault RV-related accident
- And more
Types of RV Insurance Coverage
When you purchase insurance for your RV, camper, or trailer, your policy will likely contain multiple types of coverage. These will vary depending on the type of vehicle you are insuring and your individual policy, but common protections include:
Bodily Injury and Property Damage Liability
Injury and property damage liability insurance helps protect you against the financial devastation of a lawsuit by paying your legal fees if you are sued for third-party losses after an RV-related accident. This coverage can also help pay for your financial responsibility if a court determines you are at-fault for the accident. Since the cost of victim medical bills, property damages, and other losses can total hundreds of thousands of dollars, we recommend choosing high-limit liability coverage to avoid extensive out-of-pocket loss.
If your RV is damaged or destroyed in a collision, insurance can help cover the cost of repairs or otherwise reimburse you for your loss if your RV is damaged beyond repair. Collision claims are generally subject to a deductible, which is the amount you pay toward the cost of your claim.
If your RV, camper, or trailer is damaged due to a covered non-collision event, comprehensive insurance can help you recover your losses by paying the cost of repairs or reimbursing you for your loss. Like collision coverage, any claims against your comprehensive coverage is typically subject to a deductible.
Although most Wisconsin drivers are compliant with laws require minimum liability protection, some fail to purchase this important coverage. Not only are they breaking the law, but they are also putting victims at risk of financial loss due to injuries sustained in an accident. If an uninsured driver injures you, uninsured motorist coverage can help cover your costs. Similarly, purchasing underinsured motorist coverage can help fill in financial gaps when an at-fault driver has too little liability coverage to meet your needs.
If you or your passengers are injured in an RV accident, medical payments coverage can help pay for a limited amount of your necessary medical costs regardless of who is at fault for the accident.
You do not have to be driving your RV to incur liability. In fact, third-party injuries and property damages can occur while you are parked at a campsite, too. Vacation liability insurance can help cover you against third-party injuries and losses when you are using your RV, camper, or trailer as a temporary residence.
RV awnings can be costly to replace. With the right coverage, insurance can help pay for the installation and replacement of a new awning when yours is damaged due to a covered event.
Most people bring personal belongings along when they travel. Whether you pack light or bring multiple electronics and appliances, your insurance can help compensate you for the loss of personal belongings when they are damaged or destroyed due to a covered event.
Nothing can ruin a road trip like an accident or some other event that leaves you stranded with no transportation or shelter. With trip interruption coverage, insurance can help cover the cost of necessary expenses, such as a hotel or alternative transportation home.
Maximize Your Saving on Wisconsin RV, Camper, and Trailer Insurance
At Couri Insurance, we know what our Wisconsin customers want in their RV, camper, or trailer coverage. As an independent agency, we combine quality and affordability to bring our customers the value they deserve from their recreational insurance policies. To find out more about Wisconsin RV, camper, and trailer insurance or to request your free quotes on the coverage you need, contact our office today. We look forward to serving you soon.