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Recreational Vehicle Insurance VS. Traditional Auto Insurance

Posted on 23 May 2011

You are shopping for your dream recreational vehicle, but are you also considering insurance coverage for your new rig? Recreational vehicle insurance plans are specialized coverage tailored specifically for the needs of the RV owner. Yes, depending on your rig, you may actually be able to add it to your traditional auto insurance policy, but most times an RV insurance policy will be a better choice as it offers better coverage for your home away from home.

Explorer RV discusses the differences between an auto policy and an RV policy, which there are several very important ones. If your current auto insurance policy gives you the ability to add your RV to it, don’t just blindly do so without realizing the differences between doing so and having a dedicated RV insurance policy.

There are two types of coverage you can purchase, depending on the type of RV that you have. You can get travel trailer insurance that provides coverage for a rig that is towed by another vehicle. Insurance for motorhomes provides coverage for self propelled recreational vehicles. Insurance for motorhomes may be more expensive than coverage for a trailer, for several reasons. First, a motorhome is often more expensive than a trailer. Also, a motorhome has more systems and carrying capacity than the average travel trailer.

Because of the complexity of today’s modern RV, an owner should consider purchasing extended RV warranty coverage. An extended RV warranty provides mechanical breakdown coverage when something goes wrong with a major system inside of your rig. Most new RV warranties provide coverage for around one year, so once that period is up, you are on your own to repair any problem. Considering how expensive repairing a major RV system can be, an RV extended warranty can be a wise investment.

Depending on the type of RV that you have, a traditional auto policy might provide enough coverage to get you by. It just might, but you most likely will want more coverage that an auto policy can provide. Here are some coverages that you will typically find in an RV policy, that most likely is absent from a traditional auto insurance plan:

  • Coverage for personal effects - An RV is your home away from home and will be filled with personal belongs and items. One advantage of an RV policy is that it will provide for coverage for the personal items that are inside of your rig, should something happen during your travels.
  • Emergency vacation expenses - Your recreational vehicle is full of complicated systems, all rolling down the road at freeway speeds. Something is bound to happen, and when it does, your RV policy should pay for temporary lodging while your rig is being fixed.
  • Golf car and utility trailer coverage - Bringing a golf cart along with a motorhome is a popular way to get around the mega RV resorts that exist. Or people will tow utility trailers behind their rigs, full of toys they use at their destination. Providing coverage for both of these miscellaneous vehicles is just another advantage of having a dedicated RV insurance policy.

Recreational vehicle insurance policies can provide many other types of coverage tailored to the needs of the motorhome or travel trailer owner, going above and beyond any basic coverage offered by a traditional auto policy. Explore your options before settling on adding your RV to your current auto policy. You may be sorely disappointed if you do so, finding yourself wishing you had the specialized coverage offered by a dedicated recreational vehicle insurance policy.

Related posts:

  1. Recreational Vehicle Insurance For Full Timers
  2. Recreational Vehicle Insurance - Additional Coverage Options
  3. Commercial Vehicle Insurance Coverage
  4. Business Auto Insurance
  5. Company Auto Insurance
Category : Vehicle Insurance

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