RV Insurance

An RV is a road vehicle just like a car or truck, so can you insure it with your standard auto insurance?  Depending on the insurance provider, the answer is yes.  However, to make sure you are fully protected, it’s probably best to buy coverage that is specifically designed for your RV.  Here are some of the reasons why you need quality RV insurance.

If you’ve just bought a new RV, it’s important to make sure you have coverage for total loss replacement.  If you need to replace a model within the first five years of purchase, this coverage allows you to get a similar unit or even a unit that costs more than your original purchase.  Since RVs have a high depreciation, it’s great to have protection in case of a complete loss of use of your vehicle.

Because many people use their RVs for housing, an important aspect of RV coverage is that it protects your vehicle even when it’s not being driven.  Insurance benefits like liability for full-time drivers allows you to insure your vehicle for incidents that may happen when it’s being used as a residence or is temporarily parked.  Often this aspect of coverage also provides for medical treatment in case anyone is hurt while in or near the RV.  Similarly, a type of coverage sometimes called campsite liability provides insurance for those who use their RV as a home for short-term vacationing.

Recreational vehicles are much larger than standard automobiles, so it’s important that coverage for RVs has higher liability limits.  Higher limits allow greater compensation in case your RV is involved in an auto accident or other incident.  An RV can potentially cause a great amount of damage, and it’s important to be covered in case a significant incident occurs.

Your auto insurance provider may have the option for you to cover your RV as well, but it’s important to note the benefits that are specific to specialized RV coverage.  RV insurance generally provides you with greater protection.  Insurance coverage specific to RVs financially protects you from natural disasters and man-made incidents as well as situations when your vehicle is on the road and when it’s parked.  It’s full insurance coverage for almost any situation.