Why Recreational Vehicles Require More Than Basic Auto Coverage

Motorhomes, campers, fifth-wheel trailers and other recreational vehicles (RVs) expand on the possibilities enjoyed by having a car. These large vehicles offer inherent conveniences and opportunities, such as comfort for passengers and the security of an indoor dwelling even while deep in the wilderness. However, the additional uses and features of RVs also may create new risks and exacerbate existing exposures. This is why RV insurance is necessary.

What Is RV Insurance?

Like many types of insurance, RV insurance functions as a contractual agreement between you and your insurance company. You can select a policy that suits your needs and preferences and personalize certain elements (e.g., adding endorsements and setting coverage limits). At this point, you become responsible for paying regular (e.g., monthly) premiums to maintain your policy. In exchange, you can file a claim for financial assistance following covered incidents.

What Makes RV Insurance Different From Standard Auto Coverage?

RV insurance may include many of the same features and financial protections as standard auto insurance you might purchase for your everyday car. One primary difference is that RV insurance generally offers higher limits to account for the expense of such vehicles.

Additionally, recreational vehicle insurance policies may often include crucial coverage options not available in an auto policy, such as the following:

• Contents coverage—This feature of your policy can help you recoup losses involving belongings being stored or transported in your RV, such as furniture, electronics, clothing, camping gear and fishing equipment.
• Vacation/campsite liability coverage—This part of RV insurance can expand your liability coverage to include incidents that may occur in or around your vehicle while parked, such as if a guest visits your camp and is injured.

We’re Here to Help

Contact Miller Insurance Agency today to learn more about your coverage options or to compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.