Buying a new or used RV is a major investment. To help protect your investment you need the proper type of insurance coverage. There are several major insurance companies that specialize in RV insurance and I strongly recommend that you use one that does specialize in RV’s. You might have a great insurance company for your home and automobiles, but an auto policy can’t begin to cover the complexities of an RV. You need specialty coverage like vacation liability, total loss replacement, personal effects and much more.

There are a number of specialty coverage’s available, designed to protect you and your property.  Specialty RV coverage’s are what differentiates RV policies from auto policies. Adding your RV to your auto policy is inadequate because it fails to cover many of the provisions included in a specialty RV policy. For example, most RV insurance provides coverage for awnings, furniture, permanently installed items and fixtures, and plumbing and electrical systems unique to RVs.

Typical RV policies also provide unlimited towing and roadside labor coverage. Auto policy towing coverage is often inadequate for RV expenses. With most auto policies, the towing reimbursement is usually on a per occurrence basis. Because the fees to tow an RV or to change an RV tire are much higher than the same for an auto, these fees often exceed the per occurrence limits on an auto policy.

Another consideration for RV owners is that they get the benefit of specialized claims service when they choose to insure their RVs with specialty RV insurance as opposed to having RVs put on auto policies. The adjusters assigned to claims by insurance companies with specialty RV products usually have expertise with RVs, losses to RVs, and settling the value of the loss.

Mark J. Polk
RV Education 101
RV University.com

RV Expert Mark Polk, seen on TV, is the producer & host of America's most highly regarded series of DVD's, videos, books, and e-books.

• 0 comments