Your motorhome is not just another vehicle in your garage or driveway. An RV is an investment that serves as both a home and an automobile. You need the right type of insurance plan to guard yourself against a significant loss in the instance that your RV is stolen or damaged in Memphis, TN. The agents at Keltner Insurance can help you find the right policy.
Is RV Insurance required in Tennessee?
The state of Tennessee requires all drivers who operate vehicles in the city or on the highways to show proof of at least liability insurance. Your indemnity plan should pay for no less than $25,000 per person, $50,000 per accident, for bodily injury and $15,000 for property damage.
You may consider buying more than the state minimum if you have a motorhome since liability insurance only pays if you are responsible for damages. A liability indemnity plan does not cover instances where you are not at fault but the responsible driver lacks the insurance needed to cover your losses.
How much RV insurance do you need?
In addition to standard auto insurance, you should also consider coverage for the appliances inside of your motorhome. A traditional auto insurance plan does not provide protection if your RV catches fire because of a gas leak connected to the stove. The best motorhome insurance plans, however, offer full coverage against such accidents.
Call Keltner Insurance for help!
The agents at Keltner Insurance can help you find the RV insurance policy that fits your lifestyle. They can also explain how you can purchase enough coverage to protect you when on the road all while saving money during the months that you do not travel with the family. Call Keltner today to get started with a quote for RV insurance.