When it comes to insuring your RV, your Auto insurance policy just won't cut it. You simply can't compare a Ford Focus to a Winnebago, and there is no way to cover both with the same insurance. RV provisions on your auto insurance policy don't work either. There are too many additional liabilities and considerations your auto insurance policy can't handle.
Instead, you need recreational vehicle insurance (RV insurance). Here are just a few of the standard points of coverage offered by insurance policies specializing in RVs that may not be included in your automobile insurance policy:
- Accessory coverage: covers devices you attach to your RV.
- Emergency Expense coverage: reimburses you for lodging/travel if your RV is damaged while traveling.
- Campsite Liability coverage: protects you from liabilities caused while staying in your RV.
In addition, there are many other optional points of coverage you may choose from including coverage for total loss replacement (which will also cover depreciation), damaged or stolen personal belongings, RV specific towing and roadside assistance, special insurance options for your variety of RV, and many others. For more information on these different types of coverage for RVs see Foremost or AMIG, two of the top providers in insurance for RVs.
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