Arizona has much to see and explore. Whether you are visiting Grand Canyon National Park, checking out the Petrified Forest, or going deep in the caves of Kartchner Caverns, what better way to navigate the Copper State than in your own RV? Of course, owning a recreational vehicle has its risks, but we here at Neeley Insurance can help you minimize your vulnerability with RV, camper, or trailer insurance that goes along for every ride. Whether you are sticking around our great state or crossing borders into others, let our team find the coverage you need to protect against the unknown.
Types of RV, Camper, and Trailer Insurance
When you select your RV or trailer insurance, you can choose between full-time insurance (for those who live in their campers or motorhomes more than half the year), or recreational insurance (for those who spend fewer than six months in their RV). Your policy may have many different types of coverage, some of which include:
Collision and Comprehensive Insurance
Could you afford to repair your RV or trailer after a major collision? What if a wild animal destroyed the inside of it while it was parked at a campsite? Collision insurance takes care of repair or replacement of your recreational vehicle after an accident, whereas comprehensive insurance covers damages or loss caused by other events, such as wind, fire, and theft. You pay your deductible, and insurance takes care of the loss up to the limits of your policy.
As the driver of a large rig, safety is your number one goal. Unfortunately, accidents still happen, and just one mistake could leave you on the hook for tens or even hundreds of thousands of dollars in liability. While all RV policies contain liability coverage, it is important that you work with an agent to select the right limits to protect yourself and your assets from a major financial setback.
Flat tires, lockouts, and mechanical failures are just some of the reasons you might find yourself stuck on the side of the road. Whatever the reason, it helps to know your insurance can cover your towing charges and other roadside assistance services you may need 24 hours a day.
You sleep and eat in your camper, but where would you rest your head if your home away from home caught fire? Emergency expense coverage can help you pay for meals, lodging, and alternative transportation when you are stranded more than 100 miles from home.
Personal Belongings Coverage
If you bring personal belongings with you on the road, they could be at risk if you are burglarized, or hit a stroke of bad luck. Personal belongings coverage can help reimburse you for losses of clothing, personal devices, and more.
Your collision liability protects you on the road, but you need trip liability to help cover you against third-party injuries and losses incurred while your vehicle is parked. Whether your dog bites another traveler’s child or someone trips while going up your trailer steps, trip liability can take care of the medical expenses and more.
RV Insurance for Mexico and Canada
Living in a border state like Arizona, you might get the urge to take your RV or trailer south into Mexico. While recreational vehicle insurance policies generally do not include coverage for travel in Mexico, some carriers allow a special collision and comprehensive rider to be added to a policy. Liability, however, is excluded. If you travel into Canada, on the other hand, your insurance should work the same as it does in the U.S. Always talk with your agent to ensure you are covered before leaving the country.
RV and Trailer Insurance in Scottsdale, Arizona
At Neeley Insurance, we enjoy getting to know our customers and hearing about their RV adventures out on the open road. We also enjoy knowing that we have done our part to protect them and their recreational vehicles while they travel – all at affordable, competitive prices.
For more information about RV, trailer, and camper insurance or to request your free quote, contact our office today.