As beautiful as Cloquet, Duluth, and the surrounding areas may be, we know that many of you enjoy hitting the road to explore the greater countryside and beyond. Instead of experiencing the world from a boring hotel room, RVs and campers let you take a little piece of home with you wherever you go, from state and national parks to major tourist destinations. At Great Lakes Insurance, we offer RV and camper insurance that protects you, your rig, and the things inside so you can spend less time worrying and more time seeing the world from a unique point of view.
Who Needs Coverage?
If you own an RV or camper, you probably need insurance. This includes part-timers, full-timers, and recreational travelers. Even if you rarely take your recreational vehicle on the road, there are still risks of ownership alone, from fire and wind to theft and vandalism. At Great Lakes Insurance, can help you find coverage for nearly any mobile unit you own, including:
- Pop-Up Campers
- Travel Trailers
- And More
You need insurance to help protect the financial investment you made in your RV or camper both on and off the road. In addition, there are laws in the State of Minnesota governing who must purchase insurance – particularly for liability purposes. All drivers of motor vehicles fall under this category, including RV drivers. If you cause an accident that injures a third-party of causes property damage, liability can help cover the costs. Furthermore, you may have a personal obligation to purchase insurance per the terms of a lending agreement if you financed the purchase of your camper or RV unit.
Factors that Affect Your Coverage Needs
Your coverage needs will vary depending on a number of factors. We consider these when customizing your policy. For example, the physical damages coverage need for a camper is typically less than that of an RV. Likewise, a camper or travel trailer generally does not need motor vehicle liability – only campsite liability. An RV, on the other hand, probably needs both. Our goal is to consider a wide range of possible scenarios, from campsite theft to highway rollovers. We then custom-tailor a coverage plan designed to minimize your vulnerability to those risks.
What to Expect from Your Coverage
Coverage types vary depending on whether you own an RV or camper and also based on the offerings available from your insurer. However, some of the most common coverage types include:
Bodily Injury/Property Damage Liability
This coverage stands between you and the financial responsibilities associated with a lawsuit if you cause an accident that results in third-party injuries and property damages. It can cover your liability for medical bills, vehicle repairs, compensation of lost wages, and much more. It can even take care of your legal fees. Be careful, though. Liability coverage only pays for damages up to the limits of your policy. If your limits are set too low, you have a higher risk of paying for excess damages out-of-pocket. Talk to your agent for help determining how much liability insurance is right for you.
Collision and Comprehensive Damages
Imagine walking out of your house after a powerful storm to find that a tree has fallen onto your luxury RV. Think of the repair costs after an icy patch causes you to slide off the road, forcing your camper onto its side. These types of incidents are just a few examples of the ways an RV or camper can be damaged or destroyed. Collision and comprehensive insurance provide protection against physical damages. The collision section of your policy pertains to damages caused by accidents, whereas the comprehensive section outlines protection against non-collision losses, such as theft and fire. Claims are usually subject to a deductible, but having this important coverage could save you tens of thousands of dollars should you ever need to file a claim.
All drivers in Minnesota are supposed to have liability insurance, but some drive in violation of the law. If an uninsured individual injures you, your uninsured or underinsured motorist may help pay for the medical expenses and other qualifying expenses of you and your passengers. Underinsured motorist coverage offers similar protection, instead filling in coverage gaps when an at-fault motorist has too little insurance to cover your claims.
Many RV owners opt for medical payments coverage for their policies. This important coverage can compensate you for necessary medical bills when you or your passengers are injured, no matter whose fault the accident was. Coverage is typically limited, but it is often enough to pay for immediate costs, such as health deductibles or emergency room bills.
When other people visit your RV or camper, you probably have every intention of creating a safe and welcoming space for them. If they fall on a loose step you never got around to repairing, though, you could quickly become liable for their injuries. Vacation liability insurance helps cover your financial responsibility when someone is injured while using your RV as a temporary residence.
Awnings can cost thousands to replace. You do your best to take care of it and put it away in inclement weather, but accidents happen. If a storm blows through and destroys your RV awning while you are away from the campsite, look to your RV awning coverage to help foot the bill.
One of the benefits of recreational vehicles is bringing the luxuries of home with you on the road without worrying about how much will fit in your suitcase or carry-on. Make sure your insurance policy covers the belongings you bring with you against a wide range of losses, from fire and smoke to theft and vandalism.
Trip Interruption and Assistance
You decide to drive through the night, taking turns with a partner so you can get to your destination by morning. At 3 AM you have a flat tire and need immediate assistance. If you have roadside assistance built into your policy, you can likely get the help you need 24-hours a day. Talk to your agent about including coverage that pays for roadside assistance, towing, and even emergency lodging and transportation if your trip is interrupted due to a covered event.
Minnesota RV/Camper Insurance Quotes
If you own an RV or camper, let Great Lakes Insurance help you insure it. Contact our office today to find out more about Minnesota RV and camper insurance and to request your free quotes. We look forward to serving you soon.