RV Insurance
You may have questions about RV insurance. Is it necessary? What types of RVs are covered? How does this coverage compare to an extended warranty?
Can I just use my auto insurance policy?
You can, but it is not recommended! An RV insurance policy will provide coverage for components of the RV that an auto policy will not, such as stairs, slide outs, and awnings. Be aware that these are some of the most common claims made for recreational vehicles. Not only that, if your RV is a tow-able or truck camper, your auto insurance will not cover it at all! If you do have a tow-able RV, some insurers write a combined policy that covers both the RV and the towing vehicle at a discounted rate.
Some owners believe they can skip obtaining recreational vehicle insurance and put their RV on their car policy. While in theory this may save you a small amount on policy premiums, only an RV insurance policy can provide the complete coverage your recreational vehicle requires. Whether you have a motorized RV or a towable, it can and should be covered by its own RV policy.
Can I get Recreational Vehicle insurance for my tent trailer?
You can insure any type of RV from a small truck camper to a full-size luxury diesel motor home. It can also be a new or used vehicle of any age.
What does Recreational Vehicle insurance cover?
Most RV insurance policies offer full coverage, similar to regular auto insurance. This covers your vehicle regardless to what happens and whose fault it is. An option for covering your RV is Total Replacement coverage, available for a new RV (less than 5 years old and with the original owner), or for a used RV (one older than 5 years).
With this coverage, you will receive the purchase price of the RV in the event it is a total loss. Also available is Total Loss Replacement which, if your RV is totaled for any reason, will provide you with a new comparable recreational vehicle if you are the original owner and it is less than 5 years old. If you bought the RV used or if it is more than 5 years old, you will receive a check for the purchase price to apply towards a replacement vehicle.
Other coverages include personal contents coverage which provides you with funds to replace items such as clothing, jewelry, and electronics, etc. Towing and roadside assistance covers the cost of towing the vehicle, locksmith services, fuel refill, and battery charging. Emergency expense coverage: provides for your hotel, food, rental car and even airline ticket expenses if you should need it.
How long does it take to apply?
Can you get an RV insurance Policy on an unregistered recreational vehicle?
If you have an extended warranty on your RV, this only covers mechanical issues like engine, transmission, and appliance repairs.
By now, you may want to check out auto quotes on our free quotes page.
Where do you find auto insurance quotes? What if you’re a bad driver? All of these questions are important and you should be well-informed before you purchase a new or used recreational vehicle. It may be wise to start looking for car insurance facts.
