Why is RV Insurance Different than Regular Car Insurance?
What’s different about RV insurance? When you insure a recreational vehicle, or RV, you are covering both a vehicle and a sort of home. For people who enjoy the full time RV lifestyle, you are actually insuring a home, and not just a temporary vacation home. That is why RV insurance is a bit more complicated than insuring the family car that you keep parked in your garage when you sleep in your house.
However, most good insurers can help you get exactly what you need. It might help to read on and understand a little bit about RV insurance before you try to get your own vehicle/home covered.
Should You Insure Your RV with Regular Car Insurance?
If you have an RV, like a camper, that you tow behind your car or keep in the bed of a pickup truck, you might be able to extend your auto policy to cover it. These are considered travel trailers, and this is different than a motorized vehicle.
RV policies can get customized to the unique needs of owners. Of course, if your own recreational vehicle has its own motor, it will surely need its own policy anyway. However, that doesn’t mean that it can’t be included with your family’s group of personal insurance policies for an RV insurance discount.
Anyway, Essurance, a company that covers a lot of autos, says that they do not recommend extending auto insurance to cover an RV. They do sell RV insurance as separate policies. These policies have to cover:
- Vehicle coverage: Liability, comprehensive and collision
- Home coverage: You need the living space and your personal belongings covered
These are the types of RVs that people might insure:
- Motor homes: Class A, B, and C
- Van or bus conversions
- Motor coaches
- Camper vans
Full Time RV Lifestyle Insurance
If you are one of those lucky people who gets to enjoy the full time RV lifestyle, your RV is your home and your transportation. Any damage to your vehicle because of an accident, storm, or theft will impact you more seriously than it would people who only lose a car and still have another house or apartment. That means you need coverage that functions as both car insurance and homeowners insurance.
Vacation RV Insurance
Of course, most people still live in their homes and only use their recreational vehicle for vacations. Tell the agent or insurer how you use your RV because plans will differ somewhat.
Which Vehicles Quality for RV Insurance?
Typically, vehicles have to meet these criteria to actually be considered RVs and qualify for these special policies. Note that you do not have to live in your RV full time to quality.
- Appliances for cooking and refrigeration
- Restroom facilities
- Heating and/or air-conditioning
- Drinkable water supply
- An electrical power system
If you use a modified van or camper, it still may qualify as an RV as long as it meets the requirements above.
What if You Just Rent an RV?
If you intend to rent an RV for a vacation, start with your regular car insurance agent. He may be able to help you extend your current coverage for a lower price than buying a policy from the RV company. If he can’t help you get cheaper RV insurance, you might have to rely upon the company’s offerings. It might be helpful to read about rental car insurance, as this is a similar situation.