If you own an RV or motorhome, then you are almost certainly aware of how much different it is from a regular automobile. An RV is your home on wheels. It contains everything that you need to live in comfort or even luxury, and it costs almost as much as a house in some parts of the country. This piece of property represents freedom to many people across the United States, and in this country we protect our freedoms. Insuring your RV with a policy that is specifically targeted to RV’s is one of the best ways of protecting this investment.
Car insurance does not even begin to cover the things that you will have to consider when it comes to your RV and the safety of the people and property within. RV specific insurance covers all of these things, protecting your personal effects, for example. Your clothing, your camera, your laptop are all things that you would not think twice about bringing with you in your RV. If the worst happens to it, however, your RV will not protect these things from fire, flood, or other destructive forces. Your RV insurance, however, will at least allow you to replace these items with minimal fuss.
Your RV insurance will also cover the costs of replacement of your RV if it is totaled or stolen and not recovered, just like car insurance protects your car. As we have noted, RVs are extremely expensive, just as a home on wheels should be. A good RV insurance policy will have a full replacement policy, meaning that one bad accident will not force you to give up your RV trips for good.
If your RV is for more than camping and you claim it as your primary residence, then look into superior fulltimers protection. This protection covers your RV in exactly the same way that homeowner’s insurance covers the home. This protection covers liability for injuries sustained on or around your RV, superior personal effects coverage, and more. This protection is a must if you live in your RV.
If you make additions to your RV such as an awning or satellite for your television, then be sure to include these upgrades in your insurance policy. RV insurance covers these little extras, and will include them in the replacements if your RV is destroyed or stolen, and will replace them if they are damaged beyond repair.
Don’t forget to look out for the little extras. If your RV is in storage for the season, suspend your collision and liability insurance and save money on your premium. Also keep an eye out for the little extras like theft rewards, which provide a reward to persons with information leading to a conviction in the case of a stolen RV. An emergency expense allowance will help you cover your food and lodging if your RV causes you to be stranded a certain distance from home, and a fire department charge may mean that your RV is covered up to a certain amount for damages done by the fire department. Don’t forget locksmith services, with insurance covering all or part of the fees for a locksmith to get you into your locked RV.
None of these things are covered by normal car insurance, but they are so important to your health and piece of mind when driving your RV that it is important not to forget about them. The proper insurance can save you a lot of hassle should you get into trouble down the road.