Recreational vehicles provide an enjoyable way for families to tour national parks and other destinations across the country. While many owners may assume that their auto insurance coverage extends to their RVs, separate policies exist specifically for these types of vehicles. The agents at Edwards Insurance Agency, located in Sparta, WI, discuss the difference between the two plans below.

How Do Auto & RV Policies Differ?

Although there are a few similarities between RV and standard auto insurance, custom RV policies provide more coverage because they are designed specifically for your needs. RV insurance covers items in your vehicle, such as DVD players, computers, and furniture, which are not protected by the alternative. It further protects various parts, like awnings and sliding doors, and offers roadside assistance in case of a flat tire or mechanical breakdown on the road. If you get into an accident or someone steals the RV during a trip, the dedicated plan will cover that too.

Why Purchase RV Insurance?

Like auto insurance, coverage for your RV is a must. Every state mandates a minimum liability plan if you drive the vehicle, and many states require uninsured or underinsured policies. It’s typically wise to purchase more than the minimum amount of coverage to avoid paying expensive out-of-pocket costs if you are at fault in an accident that causes property damage or bodily injury. 

Do you own or plan to buy an RV? The team at Edwards Insurance Agency will help you secure an affordable, comprehensive policy to protect your vehicle. They work with a wide range of providers to offer their clients customizable products to suit their needs and budgets. Call (608) 269-4512 to get a free, no-obligation quote. You can also visit them online to learn more about their auto insurance coverage options, as well as other ways they can assist.