RV Insurance Policy – Taking A Closer Look

Should you get a specialized RV insurance policy? If you are a new or even an experienced RV owner, you may wonder about the importance of getting an RV Insurance policy versus a standard Auto Insurance policy from your current insurance carrier. An RV Insurance policy may just feel like one more thing that you will need to spend money on, and that may be on top of the payments you’re already making on your RV. In reality, you will be putting yourself in a potentially more financially damaging position if you don’t get an RV Insurance policy. The benefits of Specialty RV Insurance can far outweigh the costs.

Insurance in general is not something that people enjoy purchasing. It may feel like “wasted” money if you never make a claim. But, when you need it, you’ll definitely be grateful that you have it. Just some of the advantages of purchasing an RV Insurance policy for your new or used RV are listed below.

Why Purchase an RV Insurance Policy?

  1. An RV Insurance policy covers things that a regular Auto Insurance policy does not. Some people choose to insure their new or used RV with their regular Auto Insurance carrier. The problem with this is that your RV will only be covered like a car. RVs are not cars, they are homes on wheels. And an RV Insurance policy covers your recreational vehicle like both. If someone were to slip and fall on the steps of your RV, you would have coverage to protect you. That is, if you have an RV Insurance policy.
  2. A good RV Insurance policy on your new recreational vehicle will give you replacement coverage. Say your new RV is totaled in an accident or other catastrophe in the first five years. With Specialty RV Insurance, you will be able to replace it with a brand new model that has the same features and options. If it is totaled after six to ten years, you will get back the purchase price. On a used RV Insurance policy, you will get back what you paid for the RV.
  3. You can get an RV Insurance policy for any type of recreational vehicle, including a truck camper, travel trailer, diesel pusher motorhome or anything in between. Not only can you get an RV Insurance policy for a wide range of recreational vehicles, you can also get coverage for any age of recreational vehicle. This is great news for those bargain minded buyers who have purchased a pre-owned RV at a discounted cost.

Know That You’re Protected

RV Insurance Policy - Family driving in RVWhen you get RV Insurance, you are protecting one of the bigger investments that you will make in your life. An RV is an investment in your lifestyle. You know how expensive your RV costs, not only to purchase but to maintain. Why wouldn’t you invest a little extra every month to protect it?

And if you want to protect your RV even further, you should also consider purchasing an extended warranty. Most manufacturers’ warranties do not last for longer than three years. If you plan on owning your recreational vehicle for longer than that, an extended warranty can give you an even greater peace of mind that will leave you free to travel and adventure without worrying about the cost of repairs.

Specialty RV Insurance and extended warranties are expenses that can save you the heartache and money on your new or used recreational vehicle in the event that an accident occurs.


The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements. Nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here. Such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

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