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Standard car insurance is usually inadequate for recreational vehicles, or RVs. Instead, Alcorn Insurance advises their Chama, NM, customers to obtain an RV insurance policy that is altogether separate from their auto insurance. Getting a separate policy ensures both the vehicle and the personal items inside are insured.

RV InsuranceWhy You Need RV Insurance

Standard auto insurance policies don’t cover personal items like computers, tablets, cell phones, clothing, and cameras. Even if you only use your RV for weekend getaways, in the event of an accident, any items lost would not be covered. As a result, it could cost you thousands of dollars to replace those items.

Additionally, auto insurance does not offer the additional liability protection RV owners need. Since some people truly live out of their RVs at least part of the year, it is better to have a policy with protection more akin to home insurance.

What RV Insurance Covers

RV insurance can vary widely depending on how often and how you use the vehicle. Liability insurance can offer protection against bodily injury and property damage if you are involved in an accident. The insurance agents at Alcorn Insurance also strongly suggest getting coverage against uninsured and underinsured motorists. This will protect you if another driver causes an accident and lacks the coverage to pay your medical expenses and property damages.

Their insurance agents also recommend collision and comprehensive coverage for RV owners. This RV insurance policy covers the cost of repairs or replacement if the RV is stolen or damaged in an accident. This will also include the replacement of personal items like laptops and cell phones.

Whether you currently own an RV or you are considering buying one, it’s important to get adequate coverage. As an independent insurance agency, Alcorn Insurance Agency can help you get the best rate possible. Learn more about the services they offer online or give them a call at (575) 756-2197 to get a quote.

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