California auto owners could achieve exceptional coverage benefits by purchasing policies for recreational vehicles. These policies offer protection based on the terms of the policy. This could include items that aren’t attached to the RV directly. A local insurer can provide comprehensive answers about RV Insurance in San Jose.
What are the Classifications Need to Qualify as an RV?
The state of California doesn’t classify a motor home as a recreational vehicle unless it meets specific qualifications. These vehicles must have the specific living quarters. They include bathrooms, installed appliances inside the kitchen area, and a refrigerator. These units should also be wired for at least a 110-volt electrical system. They should also have a heating and cooling system as well as plumbing for sinks and faucets.
Recreational vehicle owners should choose their preferred level of coverage for their motor home. They must have at least liability coverage through an RV policy or as an extension of the personal auto insurance coverage. For non-motorized travel trailers or campers, the owner could also acquire RV-based coverage. However, if the trailer doesn’t have a defined kitchen or bedroom, it won’t qualify for coverage. To acquire coverage for non-qualified trailers, the owner could add a rider to their existing auto coverage.
What Protection is Provided Through the Policies?
The policies cover collisions during automobile accidents with minimum coverage. Owners with comprehensive coverage achieve a higher coverage opportunity. This level of coverage could pay for damage to the interior of the RV as well as mechanical damage. The coverage may include personal belongings and furnishings contained inside the vehicle.
What Coverage is Available When the RV is in Storage?
Owners who choose to store their recreational vehicles maintain the same level of coverage. The coverage applies to structural damage that occurs within the chosen facility. The owners could also acquire additional coverage through the facility as well.
California auto owners need coverage for their recreational vehicles to achieve maximum protection. These policies cover similar events that are available through standard auto insurance. However, they may provide additional coverage for living spaces. Owners who need RV Insurance in San Jose should visit Coastautoinsurance.com for additional information.