With an increasing number of people in Las Vegas, NV, trading their permanent homes for RVs to explore the American West and beyond, questions about the necessary insurance coverage are becoming more common. Living full-time in your RV is a different experience compared to using it for part of the year. Most likely, your RV will house most of your belongings. At Leo Insurance Group, our experts are ready to guide you on the insurance coverage you need to protect your RV and possessions.
Increased Liability Coverage is Crucial
Using your RV as your primary residence requires more liability coverage due to the increased risks compared to part-time use. For instance, you may host more guests in your home, increasing the risk of injuries. If you reside in a specific RV park, there’s a higher chance of accidentally causing damage to the park, which could result in fines and association fees. Additionally, if your RV sustains significant damage and becomes uninhabitable, you’ll need temporary accommodations during repairs. All these scenarios necessitate more liability coverage for aspects like medical payments, loss assessment, and general liability.
Securing Additional Coverage
Many insurance providers offer extended policies for RV owners who live in their vehicles for at least six months of the year. Some may also provide additional coverage for personal belongings. If you store valuable items in your RV, you might consider purchasing a separate policy for personal items.
To determine the appropriate insurance coverage for your RV, contact the professionals at Leo Insurance Group, serving Las Vegas, NV.
