WEDNESDAY, JUNE 7, 2023
Are you wondering about the best way to insure your recreational vehicle? Some RV owners opt to insure their motor homes on with an endorsement on their car insurance policy. However, you may be better off if you purchase actual RV insurance. If you insure your RV with your car insurance policy, you may not be covered when it comes to loss of goods, liability or other issues.
RV Insurance Covers More Than Your Auto Policy
Unlike auto insurance, RV insurance is like having a blend of home, auto and travel insurance in one policy. Just like an auto policy, you will be covered if you get into an accident. However, RV insurance goes a step further than auto insurance. Your RV policy should also cover you if someone sustains an injury inside your RV or on your campsite. 
RV Insurance Fills in Gaps Left by Your Homeowner’s Policy
When it comes to lost or stolen goods, many people assume that their homeowner’s insurance will kick in to cover the cost. However, this isn’t always the case. If you take a lot of expensive items with you – like cameras, electronics or jewelry – you can quickly exceed the limits of your homeowner’s policy. An RV policy will also protect onboard equipment like the generator, refrigerator, stove or water pump. Adding personal property coverage to your RV insurance policy will be far more effective at protecting your assets than your homeowner’s policy.
Tailoring Your RV Insurance to Your Needs
The largest benefit of RV insurance is the choices you have when it comes to optional coverage. RV insurance allows you to customize your policy based on your needs. For instance, if you will be taking pets along for the ride, you can add pet injury insurance to your RV policy. You can also add coverage for easily damaged items like the awnings. If you’re taking along a golf cart or towing a trailer with personal goods, you can elect to add coverage in case the trailer comes loose.
Before you hit the road in your RV, consider asking your insurance agent about more ways you can be covered. An RV insurance policy is a small investment – especially when you consider all the ways it can protect you.
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