Understanding Recreational Vehicle Insurance Coverage

Recreational vehicles (RVs), whether driven or towed, can give Louisiana residents flexible options for travel, vacations or even full-time living. McInnis Insurance Services, Inc. offers insurance coverage that can be customized for different types of RVs and how they’re used.

Why Does RV Insurance Matter?

Owning an RV comes with responsibilities that often extend beyond standard auto insurance. RVs can serve as both transportation and living space, and may be exposed to risks such as accidents, theft or weather-related damage. Having RV insurance may help with costs related to your vehicle and personal belongings if something unexpected happens.

What Is Covered by This Policy?

Standard RV insurance policies can be tailored to fit your needs, but most include the following key features:

• Liability coverage may cover costs if you cause injury or property damage with your RV.

• Collision coverage may pay for RV repairs after an accident, no matter who’s at fault.

• Comprehensive coverage may provide coverage against damage from theft, weather, fire or vandalism.

• Personal belongings coverage may reimburse you for lost or damaged items inside your vehicle.

• Uninsured/underinsured motorist coverage may apply if you’re involved in an accident with an at-fault driver who lacks adequate insurance.

• Emergency expense coverage may help pay for lodging or travel if your RV can’t be used while you’re using it as your residence.

How Our Team Supports Louisiana RV Owners

At McInnis Insurance Services, Inc., we understand the unique needs of RV owners in Baton Rouge, LA. Our team can assess your risks, explain coverage options and customize a policy to fit your lifestyle and budget. Contact us today to request an instant insurance quote online and to learn more.