As the owner of an RV or camper, you know a thing or two about adventure. For you, the joy is in the journey, whether exploring the greater Wisconsin area or traveling our country from sea to shining sea. At Strobel Insurance, we offer protection for your RV or camper with insurance that safeguards you and your rig against a wide range of damage and loss.
Protect Your Investment and Your Assets
If you have a travel trailer, RV, or even a pop-up camper, you probably need insurance. Not only does your policy protect the investment you made in your travel rig, but it also protects you from various personal and third-party losses. It does not matter whether you travel several months out of the year or only a few days, there are risks associated with owning RVs and campers that could threaten your financial livelihood without the right coverage.
At Strobel Insurance, we work with you to calculate your risk exposures and reduce your vulnerability to loss. From campsite liability and physical damages coverage for your camper to full protection that covers your RV for highway accidents and liabilities, we can offer complete protection that goes the extra mile. Our goal is not only to meet your state and lender coverage requirements but also to offer you a source of financial security after an accident or other covered events.
Wisconsin RV and Camper Insurance Coverage
You should have customized insurance personalized to fit your needs – not an out-of-the-box policy with generalized coverage. Depending on the type of travel vehicle you own and your risks, your policy may include protection for:
Bodily Injury/Property Damage Liability
What does it take to trigger a lawsuit? You never set out on a road trip expecting the worst, but accidents happen. If you cause a collision that hurts someone or damages their property, you may be responsible for providing restitution to the victim. All drivers must purchase liability insurance in Wisconsin – including RV drivers. This coverage helps pay for court costs and legal defense if you are sued, as well as victim medical bills, property damages, and other liabilities if you are at-fault for an accident.
Wisconsin’s minimum liability limits are too low to adequately protect at-fault RV drivers against major lawsuits. If your limits are too low, you may have to pay the excess damages from your personal income or by liquidating financial assets. Consult with your agent to determine how much bodily injury and property damage liability insurance you may need to prevent personal loss.
Physical Damages (Your RV or Camper)
Wear and tear is normal, and all RVs and campers eventually start to show signs of age. It’s the unexpected damages that can drain your rig of its value and threaten your financial investment. Physical damages coverage is available to protect your RV against damages caused by collisions, as well as those caused by other events like fire or falling objects. It can help cover the cost of repairs or compensate you for the value of your loss minus the cost of your deductible.
At-fault drivers are supposed to have insurance that covers liability for accidents. If you are injured by someone who has no coverage at all, your uninsured motorist insurance can help compensate you for damages. Underinsured motorist insurance is also available to compensate you when your medical expenses exceed an insured driver’s liability coverage limits.
Medical bills are expensive – especially when you have to pay for them out-of-pocket. Medical payments coverage helps get you and your injured passengers access to medical care by covering the initial cost of necessary medical expenses up to the limits of your policy. This coverage is no-fault protection, meaning it compensates you and your passengers for medical expenses regardless of who caused the accident.
Your home away from home is still your home, and that means that you may be responsible for injuries and accidents that occur when using your RV or camper as a temporary residence. If you host guests at a campsite or have kids over to play with your children, vacation liability insurance can help cover costs if they are injured during their visit.
An RV awning can instantly extend your living space, giving you a shaded area to enjoy the great outdoors near the comfort of your rig. They cost hundreds of dollars to replace, so be sure to talk to your agent about coverage that can protect it against high winds, fire, falling objects, and more.
If your personal belongings are stolen from your RV or camper, it may be impossible to recover them. Instead of paying a high deductible for a homeowners insurance claim, let your recreational vehicle insurance compensate you for the loss instead – potentially with a much smaller deductible. This coverage can protect your possessions against many different types of loss, including fire, theft, wind, and more. Talk to your agent for more information.
Trip Interruption and Assistance
You can check your oil and test your tire pressure before departure, but mechanical setbacks can still happen. You never know when your plans may take a turn due to a breakdown that requires roadside assistance or the help of a towing service. Since you also live out of your vehicle while on the road, you’ll need to be prepared to find last-minute shelter, food, and transportation back home. Talk to your agent about coverage that can provide roadside assistance and compensation when your trip is unexpectedly interrupted due to a covered event.
Wisconsin RV and Camper Insurance – Get a Quote
Get the coverage you need and deserve from Strobel Insurance. Contact us today to find out more about Wisconsin RV and camper insurance and to request your quote.