If you are like most RV owners, your vehicle is parked in the driveway for half the year or longer. The question begs: Does insurance apply to an RV parked in an Omaha, NE driveway? Insurance Solutions LLC is here to help you understand the applicability of RV insurance.
Coverage When an RV Is Parked
RV owners are well aware that their insurance is applicable to on-road accidents. However, if something happens to the vehicle while parked in the driveway, the situation has the potential to be a bit more complicated.
In short, RV insurance typically applies to parked RVs. If a vehicle slams into your parked RV, your coverage will likely apply. However, if the RV is struck by lightning or water, engulfed in flames, vandalized or otherwise damaged by a person as opposed to a vehicle collision, home insurance might apply.
RV Use Shapes Coverage Applicability
In the end, RV insurance coverage is partially determined by how the vehicle is used. If the vehicle is one’s primary home, the insurance contract will contain language different from that of contracts for RV owners who use the vehicle for seasonal getaways.
In general, full-time insurance for RVs typically has components similar to those in Omaha, NE home insurance policies. Such insurance usually covers belongings and extends to liability. However, those who use their RVs for the occasional trip often have insurance contracts that center more on risks related to travel.
Read through the language of your existing RV insurance policy and reach out to your insurance agent if you have questions, concerns or requests.
Get a Quote From Insurance Solutions LLC
Are you in the market for insurance? Even if you simply want to compare quotes with your current insurance provider, we’re here to help. Give us a call today for your quote.
