Many people make the mistake of assuming their auto insurance policy provides coverage for recreational vehicles and travel trailers. Unfortunately, most people only realize this when they need to file a claim. Michael E. Glick Insurance has spent more than 25 years helping Boerne, TX, drivers find policies to protect their property. Their experienced agents can help you avoid the costly mistake of not insuring your RV or travel trailer.

A Brief Guide to RV & Travel Trailer Coverage

Auto Insurance Is Not Enough

If your personal vehicles are already covered under an auto insurance policy, you may wonder why it doesn’t extend to your RV or travel trailer. Unfortunately, that policy won’t cover any belongings stored inside your RV or trailer while traveling. It also doesn’t include liability coverage. You’ll need a separate vacation liability policy before you hit the road to protect you from injury or damage claims after an accident.

Homeowners Insurance Won’t Cover Your Belongings

Most homeowners and property insurance policies offer limited off-premises coverage for personal property. The most common coverage is for the loss or theft of valuable jewelry like wedding rings outside the home. The TVs, laptops, tablets, and other expensive items you’re traveling with aren’t covered. If someone breaks into your RV or travel trailer, you can’t file a claim on your homeowners insurance policy for stolen or damaged items. 

A Total Loss Replacement Policy Is Better Than Actual Cash Value

When selecting insurance for your RV or travel trailer, make sure you have coverage for an accident causing irreparable damage. In this regard, there are two options. One is an actual cash value (ACV) policy. This policy may be less expensive, but it only offers compensation for your RV’s current, depreciated value. If you opt for a total loss replacement policy, you can replace your RV with a new vehicle if it’s destroyed in the first five years. After that, you’ll receive the full amount you paid for the vehicle toward the purchase of a new one.

RV and travel trailer insurance is complex, so it’s important to work with an experienced insurance agent. At Michael E. Glick Insurance, their agents will work hard to attain the coverage you need at the most affordable rates possible. They even offer a no-charge insurance review policy. Request a quote online, or call their office at (830) 816­-9488 to speak with an agent about your needs.