Individuals who own campers and other off-road vehicles in Las Vegas, NV tend to shy away from recreational insurance. They feel that they do not necessarily need the coverage, and instead, they opt for auto and homeowners insurance to protect their recreational vehicles.
Recreational insurance can be a bit complex, but it does not have to be with the assurance of All Nevada Insurance Inc. We are experts, and we will take you through the requirements and help you select the best coverage to suit your needs.
Do You Need Recreational Insurance?
Recreational insurance requirements vary from one state to the other. However, you are required to have liability coverage if your recreational vehicle is a motorhome. You may also need it if you wish to lease or finance the car.
If you have a class A or B RV, you must have minimum liability insurance. If your car is towed behind an SUV or track, having liability coverage is optional.
Can You Attach Your RV to Home or Auto Insurance?
You can include your RV in your auto or home insurance policy. Nonetheless, the idea comes with some drawbacks. For example, if you attach your RV to your home policy, the vehicle will not be protected while on the highway. The RV will not be eligible for insurance coverage through home insurance if you wish to take off for interstate trips.
Homeowner’s insurance will only cover your RV if an accident happens on your property.
A recreational coverage plan attached to your auto insurance may cover;
- Bodily injuries
- Medical payments
- Property damage
- Personal injury coverage
The standard auto insurance does not include recreational liability coverage, which is a requirement before getting on the road.
Contact Us for Recreational Insurance Quote
Our insurance professionals at All Nevada Insurance Inc. understand recreational insurance requirements in Las Vegas, NV, better than you do. Contact us for guidance and let them help you choose a policy that will meet our needs.