In Fort Walton Beach many people own a recreational vehicle in order to get outdoors and enjoy the beautiful nature here on the Emerald Coast. Recreational vehicles do more than move you from one location to another; they carry you with ultimate fun and/or comfort along the way. Although these vehicles are primarily associated with playtime, they still need insurance coverage, possibly even more so, as they also have an added potential for liability.
Liability Insurance for Recreational Vehicles.
Recreational vehicles are moving vehicles that can create physical injury and/or property damage to yourself and others, just as a regular vehicle can. You can purchase liability insurance in order to help pay for damages you may accidentally inflict. It can also help cover the cost of environmental cleanup in the even that an accident causes toxic chemicals or other pollutants to spill.
These types of policies will have limits that work on both per-policy, and per-incident basis. It is possible for them to have a deductible which calls for an out-of-pocket contribution to each incident per year.
Once you have gone over the liabilities you may potentially be exposed to, it’s time to provide coverage to the actual vehicle value. This can include financial compensation if exposed to physical damage, theft, vandalism, and collision. It could even allow you to be reimbursed for personal effects stored in or on the vehicle.
In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with us at Dan Sullivan Insurance, your Independent Insurance Agency in Fort Walton Beach.