Do I Need to Purchase Additional Insurance if I Rent an RV?

Renting an RV is a great way to spend your vacation if you love to travel. The agents of Richards Insurance Agency in Lincoln, NE understand that you need to be covered by the right type of insurance while you are camping. You need to consider purchasing insurance that will reduce your liability as well as protect your belongings.

Buy Insurance Through the Rental Agency

When you rent an RV, the company automatically provides you with basic insurance coverage to protect its investment. You can buy an additional amount of coverage to protect you if the RV is damaged in any way while it is in your possession. Normally, the rental agency will allow you to choose from two or three different amounts.

Purchase Additional Insurance Through Your Agent

While the coverage you purchase from the rental agency protects the RV, it doesn’t do much for you. It doesn’t provide you with liability coverage and it won’t protect you if your personal property is lost or stolen. If you want to protect your personal items, you will need to talk to your personal insurance agent to see what your options are.

At Richards Insurance Agency, residents who are from the Lincoln, NE area can discuss your options with you if you choose to rent an RV for your vacation this year. They can help you determine how much insurance is needed and what your liability options are. Most policies include some degree of liability, but it is up to you when choosing how much to carry over the state-mandated limits. Schedule a consultation to talk over your options today!