NJ RV Insurance | Recreational Vehicle Coverage

recreational vehicle insurance bergen county njYour RV is your home away from home. For many families, it’s a window to the world that allows you to explore the best places our great nation has to offer. Whether you’re taking in every campground and state park New Jersey has to offer or making your way from sea to shining sea, you need the right kind of recreational vehicle insurance protection to keep your RV in ship shape no matter what comes your way. Bogle Agency Insurance offers Bergen County RV insurance options for all NJ residents.

The Unique Nature of NJ RV Insurance Coverage

RVs are somewhat unique when it comes to insurance coverage. They have coverage needs that are somewhat similar to a homeowner’s insurance policy, as well as those that are similar to an auto insurance policy. This means that you need to work closely with one our agents in order to ensure that you’re getting the right coverage for the way you plan to use your RV.

Auto Coverages for RVs

Recreational vehicles operate on the road like automobiles. Depending on the type of RV you have, it may actually operate as an automobile. You really can’t afford not to have it insured as an automobile with the following coverage types:

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments Coverage
  • Comprehensive Coverage
  • Collision Coverage

Other Coverages for Recreational Vehicles

The truth is that your need for RV insurance doesn’t end when you stop for the night. You’re essentially living in your RV while traveling. That means that if anything happens to your RV, your home may be out of commission for hours, days, or possibly longer and additional arrangements must be made.

You’ll need additional insurance coverage for towing, lockout services, and alternate living arrangements in addition to a wide range of other insurance coverage types like:

  • Personal Property Coverage
  • Emergency Assistance Coverage
  • Vacation Liability
  • Total Loss Replacement
  • Emergency Expense Coverage

Special Considerations for Recreational Vehicle Insurance

liability insurance bergen county njSome New Jersey singles, couples, and families are interested in finding ways to downsize their lives. More and more often they are making the decision to live in their RVs year round. If this is the case for you, then you need to call us today to discuss your somewhat unique insurance coverage needs. Standard RV insurance policies will not provide adequate coverage for someone who lives in an RV, but we can help you get the right coverage for your living arrangements.

How to Save Money on Recreational Vehicle Insurance?

While it’s important to get the insurance protection you need, it’s also important to keep things as affordable as possible. Bogle Agency Insurance offers families a wide range of coverage options designed with affordability in mind. Of course, there are other things you can do to help keep your coverage costs down, like the following:

  • Bundle your policies. By combining your home insurance, auto insurance, and RV insurance policies with one provider, you can cut your costs substantially.
  • Take safe driving classes. Many insurance companies will offer discounts to drivers who take driver safety courses and get the appropriate documentation.
  • Clean up your driving record. Since RVs are on the road, and that’s where the biggest risks lie for most of them, a nice clean driving record free of accidents and citations looks good to insurance providers – resulting in lower premiums for you.

Not sure your Bergen County RV insurance is up to the task? Contact Bogle Agency Insurance today at (201) 939-1076 for a free no obligation quote.

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