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You’ve Got Your Raptor Toy Hauler, What About RV Insurance?

Vacationing on the open road is more fun with a Raptor toy hauler RV. Offering many different floor plans and features, these RVs have everything you need for a fun-filled family trip.

Raptor toy hauler RVs let you bring all of the comforts of home on your trip with extra storage space for kayaks, ATVs, snowmobiles, dirt bikes, and much more. Raptor is known for sleek design, high quality, and attention to detail. Its RVs are durable and long lasting, so you and your family will enjoy the investment for years to come.

Why You Need RV Insurance

The beauty of an RV is that you can use it to vacation anywhere, but this often involves a lot of interstate driving. Being on the road always comes with the risk of accidents. Purchasing insurance for your RV can cover damage caused by accidents, vandalism, flooding, or fire.

While laws differ between states, most of them require vehicles to carry liability insurance at a minimum. If your RV is a class A or B, or if you are still making payments, you may be required to carry full coverage with a separate RV policy. Most RVs are not covered on car insurance policies.

What’s Covered?

Coverage varies by policy level. Basic policies typically cover bodily injury and property liability for accidents in which you are at fault. If your RV is involved in an accident with a smaller vehicle, there is a high likelihood of extensive damage to the other vehicle — particularly at high speeds. By carrying a liability policy, you can reduce the amount of money you would pay out of pocket to cover property damage and medical bills.

You can also add collision coverage and uninsured motorist coverage to protect yourself if you are involved in accidents that aren’t your fault. These policies will help cover damage to your RV regardless of who is at fault, and some policies will cover you if you’re hit by an uninsured person or if you’re involved in a hit and run.

Other policies include medical payment policies and comprehensive coverage. Medical payment coverage is a wise addition to your policy. It protects you and your passengers regardless of who caused the accident. If you’re traveling with friends, this policy should cover any medical bills they incur following an accident. To cover damage to your RV that is not caused by an accident, including theft, vandalism, or natural disasters, you would need a comprehensive policy.

RV Insurance Pricing

The price of your policy is based on a variety of factors from your driving history to the size of your RV. Class C RVs are less expensive to insure than Class A models. RVs have a wide range of features that affect their pricing. A toy hauler is more expensive to insure than a smaller clamshell camper, because it is bigger and has more features. It may also be more difficult to find replacement parts.

RV insurance is usually less expensive per year than auto insurance. This is because RVs typically don’t spend as much time on the road as other vehicles. When buying car insurance, companies look at a variety of factors to determine your pricing, including your driving record, age, credit score, and the location at which your car is parked. All of these factors are assessed for RV insurance too, along with your RV’s storage location and the average amount of time you use the RV throughout the year.

The Process of Buying Insurance

Once you have purchased your Raptor toy hauler, you should first familiarize yourself with the laws in your state to see how much coverage is required. Once you know your policy needs, you can start comparison shopping. Major insurance companies including Geico, Nationwide, All State, State Farm, and Progressive all offer policies for RV owners.

Check with your current insurance provider for information about their RV coverage and whether there are discounts available for bundling with an existing policy. You can also ask about adding bundled coverage for the toys that you will be taking on your trip (such as a motorcycle or boat).

If your insurance company doesn’t have a policy that meets your needs, you may opt for coverage from a company that specializes in RV insurance. Some of these companies were founded by RV enthusiasts, and they can help you wade through the different policy options to choose coverage that is right for you. Choosing coverage from a specialized provider can help you negotiate rates based on the value of your toy hauler, and the employees will be more familiar with your specific needs.

When buying insurance, you will be asked a series of questions that will help determine your coverage and rate. For example, if you frequently travel with dogs in tow, you may want to consider adding coverage for vet bills in case one of them is injured in an accident involving the RV. If you tend to spend the entire summer trekking across the country, it may be wise to add personal property coverage in case of theft.

After you’ve determined your desired coverage amounts and done your comparison shopping, head to the company’s website or call their customer service number and talk to an agent about setting up your policy. Most companies will start your coverage the day you sign up, so you can hit the road immediately.

An RV is a large investment in fun for the whole family. Carrying RV insurance will help you protect that investment. Getting into an accident on vacation always makes the trip more stressful, but knowing that you have reliable insurance can help put your vacation back on track. It will also save you money that you would otherwise spend on fixing the damage to your vehicle. After all, your Raptor toy hauler is your home on the road, so you’ll want to make sure it’s taken care of no matter what.