I have an Auto Insurance Policy, why would I need a separate policy for my RV?
A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RV’s covered under auto policies are not adequately covered.
Your auto and homeowner's policies may not cover such items as appliances, plumbing or accessories. Without true Recreational Vehicle insurance, your emergency expenses incurred while traveling would undoubtedly come out of your own pocket. A typical travel trailer insurance policy from an auto carrier will include physical damage coverage only. To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto policy or secure a policy specifically for RV's
If the RV owner’s insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and it’s possessions are not covered after a loss occurs.
Tips for When You Hit The Road
- Before your trip, make sure you get a complete travel check-up for your RV including inspection of all belts and hoses, headlights, tires, and turn signals. Also don’t forget to make sure the towing hitch, fire extinguisher and smoke alarms are in working order.
- Make sure your cooking vent hood is clean to help avoid fires.
- It is important to go over basic emergency procedures with everyone traveling in the RV.
- Remind everyone that it is safer to be in the RV during lightning. If there is a tornado warning you will want to find a tornado shelter or the next best thing which would be parking under a bridge or similar structure.
- Also, don’t ever drive through any deep water as the depth can be deceiving
- Make sure you leave your trip plans and phone numbers with a relative or friend.
Getting a quote on insurance for your RECREATIONAL VEHICLE is quick and easy! CALL US or CLICK HERE to fill out our secure on-line quote form and we will do the rest!