Are you the proud owner of a new recreational vehicle, and you’re not sure how to find the best insurance on the market? Since these vehicles are significantly different from regular automobiles, it’s best to know the requirements when insuring them. Tower Community Insurance has been serving the Tennessee and Alabama areas since 1970. Below they outline the top four FAQs about insuring RVs.
4 FAQs on Insuring Recreational Vehicles
How Is RV Insurance Different From Automobile Insurance?
While most insurance companies will cover your RV, purchasing a regular auto insurance policy will have some coverage gaps. RV policies cover extras, such as total loss replacement within the first five years after purchase. Full timer liability coverage is like homeowner’s insurance when the owner uses their recreational vehicle as a home. Campsite liability covers mini-vacations to various campsites. This insurance also allows for significantly higher liability limits.
What Does RV Insurance Cover?
This insurance has additional options that cater to the RV lifestyle and needs. Comprehensive coverage is included for the repair or replacement of your vehicle due to loss or damage from non-collision related events. Collision coverage replaces or repairs your RV in the event of a collision, while liability coverage replaces the other party’s property. Contents coverage provides for everything in the RV, if they are lost, damaged, or destroyed.
Are There Use Limitations With This Type of Insurance?
Check with your insurance company regarding any limitations. Many companies require an additional policy rider if you want to use it as your primary home. These limits often include coverage for no more than 150 days per year.
Are RV Policy Discounts Available?
A great way to save money on your coverage is to use the same company that you use for other policies, such as auto or homeowner’s insurance. Also, many RV owners receive discounts by installing anti-theft devices and storing their vehicles in secure storage locations.
If you have questions regarding RV insurance, or you would like to inquire about a quality policy, the trusted agents at Tower Community Insurance will assist. Call them today at (256) 259-1116 or visit their website for more information.