RV Motorhome Insurance – Your Questions Answered

Buying RV motorhome insurance may create a lot of unanswered questions in your mind. The first item to note is that it is a good decision to purchase RV motorhome insurance. The next thing to think about is buying an extended warranty in addition to your RV motorhome insurance. Neither is required when you buy an RV, but they will both help you in the long run, protecting your investment. Below you will find some of the most common RV motorhome insurance questions answered.

1. Where can I purchase my RV motorhome insurance?
Many general or typical auto insurance companies offer RV coverage, but you will find the best coverage options and money savers by going through a specialized RV motorhome insurance company. These RV motorhome insurance companies are knowledgeable in what RV’s need. Online is a great option for you to look into. There are several RV motorhome insurance companies online that will process a quote quickly and for free.

2. What is wrong with adding my RV to my regular auto policy?
This can be done, but is not highly recommended. Towables and campers are not often allowed on auto policies, but larger Class A, B, or Cs are. It is important to note that through regular auto policies, many unique parts to RVs, such as awnings, steps, or appliances, are not covered. Work with a specialized RV insurance company so that your recreational vehicle is fully covered.

3. How long will it take for me to get my RV insurance?
Online applications are processed quickly, often immediately. Working with an RV dealer in person may take a bit longer.

4. What kind of coverage should I buy?
You should look at purchasing full coverage to ensure your protection no matter what you may incur on the road. Think about adding total replacement coverage, too. This means that if you own a new RV for 5 years or less, the insurance company will be able to offer you full RV replacement with a similar RV. If you have a used RV, options may vary.

5. What Type of RVs can I insure?
All RVs are insurable.

6. Is the extended warranty the same thing as insurance?
No. Extended RV warranties will go beyond what the manufacturer’s warranty will in terms of years. It will protect appliances, mechanical issues, etc. that are not covered by insurance. Many extended warranties work in tandem with insurance, so ask and make sure you purchase what you can to protect you from any surprise expenses or damages down the road.

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