Owning your own recreational vehicle gives you the comforts of home wherever you travel. You don’t have to search for a hotel or find a restaurant for every meal. You live your life on your terms, and rest your head on your own pillow every night.
Having those comforts of home with you is the reason you need separate coverage for your RV. While auto insurance covers a limited amount of belongings inside your vehicle, RV policies have the option of including all your personal belongings that might be destroyed. A car policy would leave other gaps in your coverage as well. With an RV policy, you have the option of total loss replacement of a new RV within the first five years, which is excellent protection against depreciation. Additionally, if you use your RV as a home, either short or long-term, there are other options (campsite liability, full-timer liability, and emergency expenses) that provide coverage similar to homeowner’s insurance.
You worked hard and saved for years to be able to afford your RV, so you can enjoy the freedom of life on the road for as long as you want. The last thing you need is an expensive policy that keeps you from being able to leave your driveway.
“RV policies have the option of including all your personal belongings that might be destroyed.” ~Chad Mullen, Lane’s Insurance
There are many discounts and other options that can save you money on your RV insurance premium:
- Multiple policy or multiple vehicle discounts
- Safety and anti-theft devices
- Safe driver
- Good Sam Club membership
- Paid-in-Full
Storage option (During months when your RV is in storage, you can suspend collision coverage while still being protected from the dangers of theft, fires, and storms.)
Bringing your home with you on the road provides the freedom you’ve always dreamed of without leaving behind those comforts that make home such a special place. The right insurance coverage will protect your RV and your belongings, so you can relax and enjoy the view as the world goes by your windshield.
