At Guardian Insurance, we want to ensure everyone gets the insurance they need for their vehicle. The suitable policy covers most accident costs, whether it's a passenger vehicle, truck, or recreational vehicle (RV). Let's take a deeper look at RV insurance.
Is RV Insurance Needed?
Insurance coverage is required on all vehicles registered in Nebraska, including recreational vehicles. The exception is all trailers and campers on the back of trucks. However, pulling insurance is necessary for a trailer, while the truck must have coverage. A vehicle won't receive the proper registration if the owner doesn't have insurance.
What Are the Minimum Requirements?
In Nebraska, the minimum coverage requirements are as follows:
- Injury coverage is set at twenty-five thousand dollars per person and fifty thousand per accident.
- Property damage coverage for a vehicle, building, or other structure is twenty-five thousand dollars.
- You need twenty-five thousand dollars of uninsured motorist bodily injury coverage per person and fifty thousand per accident.
- The above numbers apply for underinsured motorist bodily injury coverage
How Much Is RV Insurance?
The cost of RV insurance depends on several factors. One of these is the vehicle's age and current condition. Premiums for older models with higher mileage could be lower than newer models. On the other hand, they could be higher if they don't contain modern security and safety tools.
Another factor in the cost of RV insurance is the driver's history. Those with clean records could receive premium discounts. Conversely, insurers consider drivers with previous accidents or moving violations a high risk.
Your premiums could also be higher if you decide to increase your coverage. The more the insurer handles, the more you end up paying. For instance, your premium could increase if you want to decrease the deductible (pay-out) for property damage.
There's more information to know about RV Insurance. Feel free to contact our representatives in Omaha, NE for more details. Our Guardian Insurance team will help you find the right solution for your budget. We also serve Iowa, South Dakota, Arizona, Florida, Kansas, Colorado, and Missouri.