Unfortunately, a standard automobile insurance policy is not enough to cover a recreational vehicle (also known as an RV or a motor home).  The reason for this is that RV insurance needs to contain elements of both auto and property coverage.  It is just as important to protect the contents of your RV as it is to protect the RV itself.  While most auto insurance carriers can cover a rented RV on a short-term basis, owned motor homes deserve the protection available through specialty carriers.

Specialized RV insurance is a blend of both auto and homeowner’s insurance.  So this means that, unlike auto or home insurance, RV insurance requires coverage for both living and driving purposes.  One of the most important things you can do when getting insurance for your RV is to insure the vehicle for its purpose.  Generally, specialized RV insurance packages are the best way to insure your RV.  

There are a variety of features that can be covered under specialized RV insurance, such as:

Total Loss Replacement (TLR)

Agreed Value Coverage

Full-Timer Coverage

Personal Contents Coverage

Disappearing Deductible Coverage

Add-on and Tow Dolly Coverage

Emergency Travel Expenses

Vacation Liability

24-Hour Emergency Roadside Assistance

Additionally, if your trip has you traveling to Canada or Mexico, your current RV insurance policy may not be sufficient.  You should check with PoliSeek to ensure that your coverage will protect against any damage or theft to your RV while you are out of the country.  You should also keep in mind that if you are towing a vehicle or trailer, you can add those onto your policy as well.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.

Not all vehicles fall under your standard auto insurance policy. If you own a recreational vehicle; you will most likely need to purchase an additional policy specific for that vehicle. There are many different types of recreation vehicles which require special coverage. Some of these include Motor homes/RV’s, travel trailers, toy haulers, motorcycles, ATV’s, and boats and personal watercraft.

Motor Home/RV: Although you can cover your motor home under your regular auto policy; it is not a good idea. Your regular auto policy has many gaps in coverage. Click here to see a list of benefits compared between a regular auto policy and a motor home/RV policy.

Travel Trailer Insurance: In order for your trailer to be properly covered; you’ll need to purchase a separate travel trailer policy. A travel trailer insurance policy will cover you for damages resulting from collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches, theft or lightning.

Toy Hauler: Before you take your next road trip; make sure your toy hauler is properly covered. Purchase a special toy hauler policy to ensure all your valuables and toys are properly covered.

Motorcycles: Motorcycles are typically not covered under your standard auto policy. You will need to purchase a motorcycle insurance policy to make sure you are adequately covered. Make sure to have enough protection to cover you and anyone who may be riding with you.

All Terrain Vehicles (ATV’s): Although many ATV’s remained uninsured, it is a very smart idea to purchase a special policy for your ATV. Unfortunately, ATV accidents are common and serious injuries can occur. It is critical to make sure you are properly covered when riding on an ATV.

Watercraft/Boat Owners: In most places insurance is required for any personal watercraft. The penalties for being caught on the water without boat insurance can be the same or even worse than an automobile. It is very important to purchase the right kind of coverage for your boat. This type of insurance will usually cover your watercraft whether it is in the water or on your trailer.

Adding these coverages can really save you some headaches in the event of an accident. Remember, it is always better to be over-insured than under-insured.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein.  No warranty or appropriateness for a specific purpose is expressed or implied.