If you're looking at purchasing an RV, you're likely in the process of deciding whether to purchase traditional auto insurance or RV insurance coverage. Understanding the differences between these two types of policies is important to ensure that your recreational vehicle is adequately protected against unforeseen circumstances.
Here's what you need to know about RV insurance and how it differs from traditional auto insurance.
What Is Covered Under an RV Insurance Policy?
RV insurance provides specialized coverage specific to your recreational vehicle. It typically covers damages caused by accidents, theft, fire, and other disasters. While traditional auto insurance only covers damages caused to your vehicle, RV insurance also provides coverage for the items inside your recreational vehicle. This includes any furniture, appliances, electronics, and personal items.
In addition to physical damages caused by an accident or disaster, RV insurance can cover the costs associated with replacing your RV if it's deemed to be a total loss. It can also cover medical costs related to injuries sustained in an accident and any legal fees associated with a claim.
What Isn't Covered Under a Typical RV Insurance Policy?
An RV insurance policy does not usually cover regular wear and tear due to age or lack of maintenance. This is why it's important to keep up with the maintenance of your RV to ensure that it continues to function properly and maintain its value.
It also doesn't cover any damages caused by animals or insects that may have found their way inside your vehicle. Insurers often view this as neglecting to take proper care of your RV, so it's important to inspect your vehicle regularly.
Most policies do not cover any mechanical breakdowns that occur while you're driving on the road. You may be able to purchase an additional mechanical breakdown policy to cover any unexpected repairs. The coverage may also come with additional towing coverage in case you need to have your RV towed due to such mechanical issues.
How Does Traditional Auto Insurance Differ from RV Insurance?
Traditional auto insurance policies are typically designed for passenger vehicles. While they may provide some coverage for recreational vehicles, the coverage is often limited and does not provide specialized coverage for your RV.
RV insurance provides more comprehensive coverage that is tailored to meet the unique needs of recreational vehicles. It covers a range of unique risks often excluded from traditional auto insurance policies. For example, RV insurance can provide coverage for items inside the vehicle, which is not included with traditional auto policies.
It can also provide additional coverage for towing, vacation liability, full-time living expenses, and other things that may not be covered under a traditional auto policy. For more information on RV insurance, contact a professional near you.