If you have a recreational vehicle, it’s important to understand your options for insurance coverage in New Jersey. O’Donnell Agency LLC can help you make the right choices! To start, let’s go over some basic FAQs about RV insurance that many first-timers have.
RV insurance is specifically designed to cover larger recreational vehicles. This includes all sorts of vehicle types, including motorhomes, camper vans, bus conversions, and much more. Typically, RVs are divided into several different classes based on size or use, which makes it easier to find the right type of insurance for a specific vehicle.
The core of an RV policy is basically the same as other auto insurance, covering damaging and liability issues for accidents on the road. However, RV insurance tends to include broader coverage that’s designed for the unique ways that RVs are used – such as coverage for personal belongings in the RV, or important accessories like satellite dishes.
New Jersey requires you to have a certain amount of auto insurance if you are driving a vehicle, and this applies to RVs as well as other vehicles. So, at minimum, you would need an auto insurance policy for your RV that meets NJ coverage laws: That’s $15,000 bodily injury coverage per person per accident, $30,000 bodily injury coverage for all persons per accident, and $5,000 property damage liability.
RV insurance has many options for customization, depending on how you use your RV or what you may want to be covered. Owners can pick residential coverage if the RV is used as a home, campsite coverage for frequent traveling, vacation coverage for special road trips, and many other options that your insurance agent can discuss with you when putting together the right plan.
Have more questions, or need particular insurance advice for your situation? O’Donnell Agency LLC in the Cranford, NJ area will be happy to help you out! Contact us today to learn more.