Why do I need to insure my RV differently than my car?

RV's are a specialized vehicle and require special coverages and claims handling.

If you thought you could just insure your RV on your car's policy, you're not alone.  According to a survey of RVers performed by The Progressive Group of Insurance Companies more than half of RVers add their RV to their car insurance policy.

For example, what if …

… your RV breaks down on a trip?

While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you’re responsible for paying.

… your RV is involved in a crash?

Auto insurers typically have someone who normally handles car insurance claims inspect your RV. Specialty RV insurers train claims rep to look for damage and write estimates specific to RVs. They also work with repair facilities that know how to repair an RV and guarantee the work.

… the stuff in your RV is stolen?

You may keep things inside your RV that you never keep in your car like jewelry, laptops and camcorders. Your auto policy won’t pay to replace these items if they’re lost, stolen or damaged. Specialty insurers offer “personal effects” coverage that will pay to replace them if they’re used with your RV.

To be sure your RV is properly covered and for a free quote on RV insurance, contact us today.