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Recreational Insurance in West Virginia

While you love enjoying recreational activities with your close friends and family members, it is advisable to protect yourself financially. Your recreational insurance will protect your recreational vehicles in the event of a collision, theft or vandalism. Smith Insurance Agency of West Virginia will tailor a recreational insurance policy that covers your specific needs.

How recreational insurance works

Class A Recreational Vehicles (RVs) are considered the most expensive to insure. Your recreational insurance rates are based on several factors such as your driving history, and the model of your recreational vehicle. If you use your recreational vehicles such as motor homes, campers, and tent trailers as your home, you may be required to have a specialized insurance coverage in order to protect yourself adequately.

What are the specialized coverage options?

Liability insurance: if it has been determined that you are responsible for causing a particular accident, you will be required to pay for injuries and damages to property resulting from the accident. This is where your liability insurance will come in handy.

Collision coverage: the coverage helps you repair your recreational vehicle. You can consider adding Emergency Expense coverage to your policy so as to have other costs such as hotel bills covered while on the road.

Comprehensive coverage: the coverage is suitable for RV owners who live in their RVs year-round or use the RV frequently. The coverage will protect your valuable RV in case of any non-collision related disasters such as fires or theft.

Total Loss Replacement: if you know that losing your recreational vehicle will have a major impact on your daily lifestyle, then this is a great coverage option. In most cases, if the loss occurs within the first five years, you can be compensated for the full original price of your RV, rather than the depreciated value.

Vacation liability coverage: is a good coverage option for RV owners who usually park their RVs for extended periods of time. In other words, the coverage will cover you financially in case someone gets injured on your RV while it is off the road.

If you have any questions about recreational insurance, call or contact Smith Insurance Agency of West Virginia. Our local recreational insurance specialists in Kingwood, WV will satisfactorily answer your questions and help you choose the right recreational insurance coverages.