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When you park your RV at a campsite, it functions more like a temporary home than a vehicle. For this specific reason, a standard auto policy will not provid3e sufficie3nt liability coverage. All Nevada Insurance Inc., serving Las Vegas, NV, residents, can help you understand why you need a dedicated RV insurance policy.
Campsite Liability Coverage
Most policies include a section like this, which acts like homeowner’s or renter’s insurance for your campsite. It will pay for legal fees, medical bills and property repair costs if you are found legally responsible for an injury or property damage while using the RV as a vacation residence. Once you chock the wheel, level your rig, and unhitch, this coverage takes over.
Common scenarios covered include the following:
- Slip-and-fall injuries around your RV
- Awning mishaps where a part of your awning comes loose and injures or damages a nearby camper or campsite
- Accidents caused by your campfire raging out of control
- Incidents involving your pet
Note that coverage regarding pets usually follows breed restrictions for other types of liability insurance. You may have to get an endorsement or a separate pet liability policy if you have a high-risk dog like a pit bull or a Doberman.
Exclusions and Limits
Campsite liability is strictly for short-term use. If you live in your RV full-time, meaning more than six months of the year, you must get a full-timer policy. Otherwise, campsite liability doesn’t apply. If you rent your RV to others on a platform like RVshare, or run a remote business out of your vehicle, campsite liability will not cover claims arising from those activities. Most standard policies have typical limits of $10,000 to $25,000.
You can design an RV insurance policy that will protect you at your campsite. Contact All Nevada Insurance Inc., serving Las Vegas, NV, to get started.
