If you are on the fence about buying RV insurance from a specialized company, you should know that there are some accidents a typical insurance company simply won’t cover. While a specialized agent will understand the ins and outs of a recreational vehicle, an automobile agent doesn’t get all the intricacies involved. That’s why it makes sense to buy coverage from someone who understands your vehicle. After all, there are at least 2 major accidents traditional companies will not cover:

Propane Leaks, Refrigerator Repairs

Hundreds of RV insurance claims every year involve the propane tank or a refrigerator burnout. A traditional insurance agent doesn’t really understand that these items are integral to a recreational vehicle, and they may not have any policy in place regarding damage to or by these items. Since they are so important to your vehicle and can in fact, cause your vehicle to catch fire, it makes sense to purchase coverage from a specialized agent.

Forgetting to pull in awnings and steps

These permanent accessories are commonly damaged. They can be damaged when you forget to pull them in before driving off. They can be damaged by hitting a tree or some other object. A traditional insurance company regards these items as accessories and they will not cover them. A specialized agent realizes that they are an essential part of your recreational vehicle, and will provide coverage if they need repair or replacement.

Buying your motor home insurance from a specialized agent means that you have all the coverage you need to protect your investment. These policies cover everything that another agent would allow to fall through the cracks.