John L. Sprague Insurance Agency offers RV and boat insurance solutions for individuals and families throughout southern Maryland. Contact us at 301-934-6010 or get a free quote to learn more about coverage. 

Why RVs and Boats Need Insurance 
An RV or boat insurance policy can provide valuable financial assistance to policyholders who face unexpected challenges. For instance, you never know if you will have an accident in your RV or if your boat will collide with another vessel while docking. When hazards like these occur, they may lead to property damage, injuries, lawsuits and other expensive burdens. Your insurance may help you cover costs following these challenges, which can reduce the amount you have to pay out of pocket. 

RV Insurance 
Vehicles such as motorhomes, fold-down trailers, truck campers and fifth-wheel trailers may qualify as RVs. These vehicles cannot be insured with standard auto insurance, but RV insurance generally provides coverage. Although policies vary, RV insurance typically offers coverage such as: 

Various other coverages, such as roadside assistance, personal effects, full-timers liability, vacation liability and loss assessment, may also be available. Speak to an agent to learn more about how different types of coverage can protect you and your RV. 

Boat Insurance 
No matter their shapes or sizes, boats are prone to accidents and other hazards. However, boat insurance can protect vessels, equipment and passengers when problems occur. Policies may offer various coverages, such as: 

Other coverage, such as guest passenger liability, personal effects, fishing equipment, wreck removal and pollution liability, may also be available. Ask your agent how different types of coverage can protect your vessel. 

Factors Influencing Policy Costs 
When setting prices for boat or RV policies, insurers may look at factors such as: 

• The value of the vehicle

• The types of coverage included in the policy 

• The policyholder’s claims history

As a result, prices can vary from policy to policy and from person to person. For more information on how policies are priced, speak to one of our agents. 

Contact Us 
If you are looking for boat or RV insurance in southern Maryland, John L. Sprague Insurance Agency may be able to help. To learn more, contact us at 301-934-6010 or get a free quote today.