Should My Car Insurance Company Cover My RV?

The Low Down on RV Insurance

One common question among RV owners is whether or not they need separate insurance policies for their normal vehicle and RV. While many car insurance policies cover some aspects of a recreational vehicle, they are almost always insufficient. Even if you don’t spend a significant amount of time in your RV, it’s always smart to at least have some form of specialized coverage for it. Luckily, you can probably get a supplemental RV policy from your current insurer and they typically come at a reasonable rate. You may even be able to suspend RV policies when the vehicle is not in use. Here’s a look at some of the popular forms of RV insurance coverage:

Special Types of RV Coverage

Replacement Cost of Personal Belongings

While your normal auto insurance policy may cover the loss of certain belongings in your vehicle up to a certain amount, it probably doesn’t cover everything in an RV. Your RV may contain more valuable items, such as a television, laptop computer, or home appliances. An RV policy gives you the option to insure all of your personal belongings against theft or disasters.

Full Time Liability

This type of RV coverage is meant for RV’s being used as a stationary residence. It’s actually more comparable to home insurance, as it provides liability coverage for people who are injured on or around your RV.

Camp Site Liability

Similar to full time liability coverage, this is meant for people living in their RV for only a short time. It’s often a good option for people taking their RV on vacation and like windshield replacement coverage, it may is a worthwhile investment.

Emergency Expense

Imagine you’re driving your RV cross-country and the engine has a major breakdown half way there. This unfortunate situation happens all too often to travelers, which is why emergency expense coverage makes sense. As long as the breakdown or problem occurs a certain distance away from home, usually 100 miles, your policy will cover lodging, meals, and travel back home.

Higher Liability

As you know, RV can be extraordinarily large and can potentially cause significant damage to other vehicles in an accident. Fortunately, there are RV policies that allow you to get a higher liability amount, protecting you in case of an accident.

Suspended Collision Coverage

RV’s are expensive to maintain, so saving any money on insurance is usually a welcome reprieve. With suspended collision coverage, you can freeze aspects of your RV insurance when your vehicle is in storage for long periods of time. This make sense for people that only travel during certain times of the year.