Recreational Vehicle and Watercraft Insurance Flashcard

Front

What does RV insurance typically cover?

Back

Direct and accidental physical damage

Answer explanation

RV insurance typically covers direct and accidental physical damage, which includes various risks like collision, theft, and fire, ensuring comprehensive protection for Ava's RV.

Front

Which of the following is NOT a risk covered by standard RV insurance? Flooding, Vandalism, Landslides, Earthquakes

Back

Earthquakes

Answer explanation

Earthquakes are typically not covered by standard RV insurance, as they are considered a natural disaster. In contrast, flooding, vandalism, and landslides are generally included in standard coverage.

Front

Benjamin wants insurance that provides a new replacement for a total loss within the first five years. Which type of coverage should he choose?

Back

Choose coverage that provides a new replacement for a total loss within the first five years.

Answer explanation

Benjamin should choose coverage that 'provides a new replacement for a total loss within the first five years' to ensure he gets a brand new car if his is declared a total loss during that period.

Front

Emergency Expense coverage helps with which expense if a motor home is damaged far from home?

Back

Cost of lodging or travel if the motor home is damaged far from home

Answer explanation

Emergency Expense coverage helps with costs incurred for lodging or travel when the motor home is damaged far from home, ensuring that Arjun has a place to stay while repairs are made.

Front

What is the purpose of Campsite/Vacation Liability coverage when an RV is used as a vacation residence?

Back

To cover liability when the RV is used as a vacation residence

Answer explanation

Campsite/Vacation Liability coverage is designed to protect Isla from legal claims arising from injuries or damages that occur while her RV is used as a vacation residence, making it the correct choice.

Front

What services are included under Towing and Roadside Assistance in a car insurance policy?

Back

Towing, tire changes, fluid delivery, and locksmith services

Answer explanation

The correct choice includes all services typically covered under Towing and Roadside Assistance: towing, tire changes, fluid delivery, and locksmith services, providing comprehensive support for roadside emergencies.

Front

What type of coverage provides personal liability protection when an RV is used as a dwelling?

Back

Provides personal liability protection when the RV is used as a dwelling

Answer explanation

The correct choice provides personal liability protection when the RV is used as a dwelling, which is essential for full-time RV living. Other options do not specifically address liability coverage.

Front

Luna just bought a new speedboat and wants to protect it from potential damages or theft. Which type of insurance should Luna consider?

Back

Insurance for boats and other watercraft

Answer explanation

Luna should consider insurance for boats and other watercraft, as it specifically covers damages and theft related to her speedboat, unlike the other options which are not tailored for watercraft.

Front

Which of the following is NOT a type of watercraft insurance? Options: Car insurance, Boat insurance, Personal watercraft insurance, Yacht insurance

Back

Car insurance

Answer explanation

Car insurance is designed for vehicles, not watercraft. The other options—boat insurance, personal watercraft insurance, and yacht insurance—specifically cover different types of watercraft.

Front

What dictates the type of insurance Priya needs to buy for her new boat?

Back

The size of the vessel

Answer explanation

The size of the vessel is crucial for determining insurance needs, as it affects coverage limits, risk assessment, and premium costs. Other factors like color, age, and brand are less significant in this context.