Do You Need RV Insurance? 5 Ways to Tell

If you have just purchased an RV, you may think you can simply add it to your existing car insurance coverage and be done. But your typical auto insurance company often doesn't cover all the details that a recreational vehicle has. Consider this: if you have spent years saving for that perfect vehicle, you'll want to protect your investment. Here are 5 ways to tell if you need to purchase a policy from a specialized company:

1.    Do you plan on living in your motor home?

Many people use their motor home as their primary residence. If you plan on living in your motor home, you will need to look for coverage with a specialized agency, one that can provide coverage similar to a homeowner's insurance policy. Ordinary insurance companies will still only provide coverage for the vehicle itself, not your personal belongings.

2.    Do you have accessories such as awnings, steps, or antennae?

If your recreational vehicle includes permanent accessories, you should definitely look for coverage with a specialized agency. Not only are these accessories the most commonly damaged items, your typical insurance agency will not assist with repair or replacement.

3.    Does your current carrier offer roadside assistance and towing?

Make sure that your policy covers roadside assistance and towing, which can be extremely expensive on such a large vehicle. A policy that is geared specifically towards a motor home will make allowances for roadside assistance anywhere in the US and cover the kind of towing that such a large vehicle might require.

4.    Does your current carrier cover RV basics?

We've covered the accessories; now let's talk about the basics. Most agencies still regard motor homes as equal to automobiles, but they’re not. They have propane systems, refrigerators, and entire bathrooms all within one vehicle. They also have more complex systems, which can be prone to failure and may need repairing. A specialized agent will review your particular vehicle and make recommendations to make sure you receive the optimum coverage for your needs.

5.    Do they offer living expenses?

If you are making your recreational vehicle your home permanently or merely short-term, most agencies do not provide living expense coverage. This means that if your vehicle breaks down, they will not cover your expenses staying in a hotel or renting a car. A specialized agent will offer this coverage as a matter of course.

So before embarking on your maiden voyage, make sure you have insurance coverage that covers every aspect of your motor home. You'll be able to start your trip in a much more relaxed frame of mind if you know you are amply insured.

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