Buying Arizona RV insurance coverage is not the same thing as shopping for insurance for a car. An RV is more than just something that gets you from Point A to Point B; it’s also your home away from home. For those people who have decided to hit the road permanently, the RV is their home. No matter how or how often you use your RV, you need to make sure it is properly insured before you hit the highway.
Arizona is a tort state for car insurance purposes, which means that at-fault driver can be sued to collect damages following an accident. Since the RV is a vehicle, owners must carry at least the minimum level of third party liability coverage required under state law. Uninsured/underinsured motorist coverage may also be added to protect the RV owner from damages caused by a driver who either doesn’t have insurance or who does not have enough coverage to pay for the damages he or she caused.
A standard automobile policy does not cover personal items in the vehicle which have been damaged or destroyed in an accident. RV owners must also make sure that they have coverage to protect the contents of the unit. An insurance company offering RV coverage will also be able to provide coverage in case the RV must be towed to a garage following an accident and for temporary living expenses while it is being serviced. If the RV is not being used year-round, customers can choose to limit the coverage to comprehensive only while it is off the road.