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Specialty RV Insurance Coverage or 'Auto Insurance Policy': Which should I buy? |
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Unless you have our "Good Times Protection" package, you could be in for an unpleasant ordeal should you experience a loss with your RV. Your auto and homeowner's policies may not cover such items as appliances, plumbing or accessories. Emergency expenses incurred while traveling would undoubtedly come out of your own pocket. Our A+ rated companies provide coverage far above and beyond the modest coverage provided by your auto insurance company.
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Insuring an RV on an auto policy
will leave you exposed Many RV owners choose to insure their RV on the same policy as their car, even though an auto policy was never designed to insure such specialized equipment. Be careful. Most auto policies don't include important coverage that RV-ers like you need. What's more, even minor RV claims can dramatically boost your entire auto insurance bill. Buying a separate, specialized motor home or travel trailer policy avoids this risk.
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Auto policies don't provide
Guaranteed Total Loss Replacement
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| Auto policies won't replace personal
property If you insure your RV on your auto policy, it typically doesn't include coverage for clothes, cameras, tools, bicycles, dishes and other personal property. That's the job of your homeowners policy. Unfortunately, only 10% of your homeowners personal belongings insurance limit can typically be used to cover off-premises property - i.e. in your RV. That may not be enough. Plus, you'll be stuck paying the $250 or $500 deductible too. Specialized RV insurance policies should provide high limits for personal belongings coverage, at replacement cost value. Replacement cost allows you to replace new for old the stolen or damaged items with new items of similar kind and quality.
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| Attached accessories may not be
covered by auto policies If you add awnings, antennas, a satellite dish or other attached accessories to your motor home or travel trailer after you buy it, many insurance policies won't cover them. Unfortunately, these expensive items are commonly damaged. Make sure you buy a policy that covers these items, even if you add them after you buy the RV.
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| Emergency Expense
Coverage is not provided Ordinary auto policies exclude coverage for emergency expenses if you can't stay in your RV due to a covered loss. Check to see that the policy you purchase includes this coverage, and has realistic limits to cover expenses for lodging, meals or travel expenses to get home - costs which can easily top $100 per day.
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Auto policies won't cover unlimited
towing
While some policies may cover some towing and roadside assistance, they offer only a $50 or $100 limit. This may not be enough to tow a large RV. Our policies offer unlimited coverage for towing and roadside assistance. Whether it be 1 mile or 100 miles to qualified repair facility, our companies have got your towing bill covered.
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Is your claims adjuster an RV expert? You probably don't think about having to make a claim when you purchase insurance. But having peace of mind when you travel is exactly why you buy it. One easy way to narrow your choices is to only consider insurance companies that have RV claim expertise. Most don't because they focus on life, auto or homeowners insurance and therefore spend far less time handling motor home and travel trailer claims.
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| Auto policies won't offer Agreed
Value Coverage If you have a classic coach, or you've invested a great deal of money and time in a coach that doesn't "blue book" to your liking, we can offer you Agreed Value Coverage. With a simple appraisal, we will agree to cover your RV at the value you specify.
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| What's more, our companies
offer... - Coverage for people who use their RVs as a full-time residence - Premises liability for law-suits brought against you by people injured in your campsite - 24-hour claims reporting hot line - Numerous deductible and payment options - Coverage for damage by stray animals
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Choose your RV insurance
policy carefully - The right decision now can save you plenty of headaches and money
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(We suggest printing this page as a reference for your insurance needs.)
