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Many RV enthusiasts opt to use their ordinary automobile insurance company to provide insurance for their recreational vehicle. In many cases, this does not provide sufficient coverage. In many cases, claims that occur when the RV is under an auto policy cause heartache and consume large amounts of time.
Aspects of an RV that can cause the problems include the internal components, including appliances and plumbing. In most cases, the owner ends up paying for the replacement or repair of these various items.
Insurance that is specialized for your RV picks up where the auto policy leaves off. Most policies that specialize in RV protection offer the following:
Collision:
Covers damage to your motorhome and all permanent components which may result from collision with another object.
Un-insured/Under-insured Motorist:
Coverage to specified limits for bodily injury caused by an un-insured or under-insured motorist.
Comprehensive:
Coverage for damage due to acts of nature- wind, water, vandalism, theft, and fire.
Bodily Injury/Property Damage:
Coverage for legal liability
SPECIALIZED COVERAGE (varies with each company)
Full Timer Coverage:
Designed for those individuals who spend most of their time on the road, or live in their RV and do not have a permanent residence.
Personal:
Coverage for valuables located inside your vehicle
Towing and Labor:
Most auto policies do not provide enough to cover towing expenses, because they are not designed for RV's. With coverage meant for your recreational vehicle, you can have peace of mind if your rig breaks down.
Total Loss:
This coverage provides for a replacement vehicle if your motorhome is completely destroyed by some natural or man made disaster. The replacement vehicle will usually be a new vehicle of the same model year as your original.
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