Many people make the mistake in believing that their Auto insurance provider can also cover their campers. While it is true that auto insurance companies often have provisions catering to campers, those coverages don't measure up to actual camper insurance. They may cover liability and damage in vehicular accidents, but they don't have the provisions you need to best insure your camper.
Instead, you need special insurance for campers. Here are just a few of the standard coverages offered by insurance policies that specialize in campers that may not be included in your automobile insurance policy:
- Accessory coverage: covers devices you attach to your camper.
- Emergency Expense coverage: reimburses you for lodging/travel if your camper is damaged while traveling.
- Campsite Liability coverage: protects you from liabilities caused while staying in your camper.
In addition, there are many optional types of coverage you may choose from including coverage for total loss replacement (which will also cover depreciation), damaged or stolen personal belongings, camper specific towing and roadside assistance, special insurance options for your variety of camper, and many others. For more information on the different types of coverage for campers see Foremost or AMIG, two of the top providers in insurance for campers.
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