RV Insurance in Rhode Island
Whether you are using your RV to travel or as a residence, it is important that you purchase insurance to protect yourself. We are a leader in insurance coverage at Podmaska Insurance Agency in Providence, RI. We take all of our customers’ situations seriously. We offer various types of RV coverage options ranging from collision to vacation liability.
RV Insurance Requirements
Rhode Island requires all RV owners to purchase insurance. Your policy must meet the following minimum requirements:
- Bodily injury coverage for $25,000 for each person
- Bodily injury coverage for $50,000 for each accident
- Property damage liability for $25,000
Your lender may require you to purchase additional coverage if your RV is financed.
RV Insurance Coverage
Here is what RV insurance covers:
- Collision- This covers your RV if it is damaged following an accident with another motorist. It will also repair or replace your RV.
- Comprehensive- This will cover your RV against damage from fire, weather, animals, glass breakage, vandalism, and theft. It will also cover your repair or replacement costs.
- Medical payments- This covers medical bills for you and any passengers you have inside in the event of an accident. In this case, it doesn’t matter who is at fault.
- Total loss replacement- If your RV has been totaled following an accident, this will cover the total cost of a brand-new one of the same model and year.
- Vacation liability- This covers you if someone is injured while in or around your RV while you’re on vacation.
- Full-timer’s liability- This covers you if you are using your RV as a residence. This will cover you if someone is injured while inside or near your RV.
Get a Quote
If you’re interested in receiving a quote for RV insurance, please get in touch with the experts here at Podmaska Insurance Agency. We are located in Providence, RI.
