Many people, especially in America, like to take off to some area away from home to relax and have fun. To do this they may hire a recreational vehicle or for short a RV. Do you need insurance for this vehicle to be accepted on to camp grounds?
RVs are longer and larger than a normal vehicle, so extra cover is advised. Insurers think that these motorhomes are involved in more accidents than a car, because drivers are not used to handling them.
These insurances combine home and auto insurance for your peace of mind. Camp grounds advise you to have insurance to cover you if unforeseen events happen such as collision, windstorms, hail, landslides, vandalism, theft, smoke or fire. It will give you that added protection.
Rental companies of RVs will give insurance, but it usually only covers increased physical damage. You are best checking with your own insurance agent, or using another to get the right cover. This insurance also covers your contents, similar to a home insurance.
RV insurances will also cover other activities and facilities that are available on camping grounds and parks. These include; bars and restaurants, laundry facilities, swimming pools, playgrounds, fishing, canoeing and boating and recreation service centers.
For camp ground owners who are classed as a small business, will need to get their protection for if anything goes wrong too. You do not want to be involved in the unforeseen event that can occur.
You may think that you do not need the cover, but if in the likely event someone is injured, you could be facing a huge financial cost. Everyone is entitled to all the protection they can get. These include assets, visitors and owners of the RV Park.
There are a few packages that you can consider taking a policy out for. Some policies are tailored to your needs with the options being; park owners need a RV insurance to cover them for hiring out RVs who wish to stay at the camp site and do not have their own.
The general liability insurance will cover business owners and their property, including injuries to their guests or guest’s vehicle on the property. If the RV park owners decided to live on the camp grounds themselves, they will also require property insurance.