Your RV is more than a car, and your RV insurance should cover more than your car insurance does. You should be mindful of the following:

  • You have many things in your RV that you would rarely ever keep in your car; clothing, VCRs, jewelry, binoculars, food, laptops, camcorders, fishing/outdoor gear, et cetera.

  • When you visit an RV park, you may be liable for the area at your campsite. If someone is injured, you may be responsible.

  • If your RV is damaged while you're traveling, you'll need a place to stay and a way to get there.

If you insure your RV through a standard auto policy, you may not be covered in the event of a loss. It could ultimately cost you thousands if you need to file a claim.

There are many differences between the RV insurance coverage available from an RV-specialty insurance agent and an auto insurance agent. When purchasing insurance for you RV, you should probably be thinking about some, if not all, of the following:

  • Policy Features
  • Total Loss Replacement
  • Purchase Price Coverage
  • Agreed Value Coverage
  • Full-Timer Coverage
  • Personal Contents
  • Emergency Expenses
  • Campsite Liability
  • Towing and Roadside Assistance
  • Disappearing Deductable
  • Mexico Coverage
  • Golf Carts
  • TV Antennas, Awnings, Cabanas, Satellite Dishes
  • Tow Dolly and Trailer Coverage
  • RV-Specialty Claim Handling:

A good rule is to have a variety of resources available to call upon. You can start by checking our links below.

insurance links

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