RV Insurance in Iowa

If you have invested in a recreational vehicle in the Iowa area, you are probably keen on having a good time. Riding around in your RV can be fun, as you get to do various fun activities and enjoy the beautiful scenery. As much as fun is essential, one thing you should not forget is insuring your RV. It will help protect you in case anything happens. At Heimgartner Insurance Inc., serving the residents of Sioux City, IA, we want to ensure you know your options. Here are a few common RV insurance coverages you need to know about.

Bodily Injury Liability

If your RV is involved in an accident and people are injured, bodily injury liability will cover medical expenses and lost wages.

Property Damage Liability

If your RV has been in an accident where you are at fault, and you end up damaging someone else’s property or vehicle, this coverage will help pay for those damages.

Collision Coverage

Regardless of the driver at fault, collision coverage will help pay for damages to your RV after an accident.

Comprehensive Coverage

This coverage is also referred to as “other than collision,” as it helps pay for any damages from a non-collision accident. This includes losses like theft, vandalism, falling objects, and storms.

Uninsured/ Underinsured Coverage

These two coverages will protect you against a driver that is either not sufficiently insured or is entirely uninsured. Since they cannot cover the cost of repairing or replacing your RV, your policy will take care of these expenses. This coverage can also protect you in a hit-and-run accident.

Medical Payments

Regardless of the person at fault, medical payments will help cover the medical expenses for both you and the passengers involved in an accident.

Here at Heimgartner Insurance Inc., we know you are excited about exploring the beautiful scenery in Iowa and beyond. Before you start, contact us today for suitable coverage. With our knowledgeable agents in Sioux City, IA, we will ensure your RV is protected.