RV Insurance Basic Questions and Answers

RV insurance and an extended warranty should both be on the top of your list when you are thinking about purchasing an RV. It is the smart decision to add these to your overall investment because it means long-term protection for you and your buy. The following are basic RV insurance questions and answers that will help guide you in your decision.

1. Is RV insurance the same as auto insurance? The answer to this question is both yes and no. RV insurance policy covers the items that are unique to having a recreational vehicle, such as ladders, stairs, awnings, and slide-outs. RV insurance also protects you if someone gets injured in or around your RV. Towable RVs are not at all covered by regular auto insurance, but you may be able to combine policies. In short, if you own a motorhome or towable, RV insurance is important to your protection.

2.Where is RV insurance available? RV insurance is available through a specialized insurance company. You may ask your general insurance company if they offer something for RVs, but you should also ask the RV dealership for recommendations. You can also look for RV insurance quotes online, many of which are free with instant estimates. Online, you enter make, model, and purchase price for the estimated quote. It is important to cost compare for insurance quotes for motorhomes, but if you do, make certain that you are applying for the same level of insurance coverage for accuracy.

3.What types of RVs are insurable? All types of recreational vehicles are insurable.

4.What type of RV coverage should I purchase? The most highly recommended level of coverage for your RV is full coverage, which means you are coverage is maximized. You also have the option of replacement coverage, which replaces new RVs (typically 5 years or less with the original owner) or a used RV. Situations may vary so double check with provider.

5.How long does it take to apply? If you apply online, your process will seem expedited. The application is simple and the recreational vehicle insurance options will be provided to you in a short time.

6.What is the difference between motorhome insurance and an extended RV warranty? An extended warranty (1-7 years) covers replacement of items, such as appliances, or mechanical repairs that insurance does not. You should consider getting both, so that you have more freedom when traveling and are able to enjoy your life on the road.

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