If you have a recreational vehicle (RV) you want to make sure it’s going to be protected in case anything happens. This is true whether you are out on the road, parked or using an RV as your residence. Getting RV insurance doesn’t have to be complicated, but you do need to be aware of coverage options.
It’s important that you know these myths about RV insurance in order to protect your investment and why having the proper insurance for your RV is crucial.
1. The RV Will Be Covered by the Auto Policy
The auto policy will not cover any personal belongings that you carry in your RV and, when your RV is parked and used as a residence, it won’t include liability insurance. An auto policy also won’t cover many of the accessories on the RV, such as awnings, satellite dishes or antennas. If your RV is a loss and you use that as a residence, a regular auto policy will not cover any expenses for lodging or traveling.
2. Homeowners Insurance Will Cover Personal Property on the Road
There are usually strict limits on what is covered under the homeowner’s policy, especially if it’s off premise, and your auto policy won’t cover personal belongings. With a proper RV insurance policy, comprehensive coverage will cover your personal belongings.
3. RVs and Autos Are the Same
While an RV and car will get you from point A to point B, they are not the same. Cars don’t have sleeping quarters, bathroom facilities or built-in ovens and thus don’t require the same amount of insurance coverage.
Visit or contact an agent at DePaulo Agency serving Scotia, NY to learn more about the right RV insurance policy for your needs and optional coverage that you can add to always stay protected.