Just as a motor home is part home and part vehicle, RV insurance includes features of both homeowners and auto insurance. It’s invaluable because it protects your major investment against damages due to storm, fire, vandalism, theft, and collision. However, there are some facts you should be aware of before purchasing a policy to make sure you get the right coverage for the right price. 

3 Questions to Ask When Buying RV Insurance

1. What does the policy cover?

Coverage varies depending on the insurer, so it's important to ask what's included. A typical policy covers comprehensive, collision, and liability—just like auto insurance. Comprehensive coverage applies to non-collision damages like fire, flood, and vandalism, while collision pays for accident damages to your vehicle. Liability covers repair, medical, and legal costs if you injure someone or damage their property. Additionally, medical payments coverage pays for the treatment of injuries for you and your passengers.

Other possible types of coverage include roadside assistance, trip interruption insurance—which pays for lodgings and transportation if your rig is put out of commission—and uninsured/underinsured motorist insurance. Be sure you’re comfortable with your knowledge about each component of your policy before signing.

2. What are the use limitations of the policy?

Some people don't just vacation in their RV; they live in it full-time. RV insurance is not meant to apply to "full-timers" so many policies include use limitations on the rig. For instance, some exclude RV use of more than 150 days per year. If you are—or plan to be—a full-timer, you'll need coverage designed for that purpose. Normally, this doesn't cover furnishings or personal belongings, though you can purchase a separate policy for any individual high-value items.

3. What discounts do you qualify for?

Many insurers encourage policyholders to purchase all their coverage from the same provider. They offer "bundle discounts" to people who buy more than one policy from them—for example, both home and RV insurance. Also, if you haven't had an accident or moving violation in three years or more, you might qualify for a safe driver discount. Furthermore, if the rig features anti-theft or safety features like side airbags or lane departure warning, you may be able to reduce your premiums for that as well. Ask your agent which discounts you qualify for.

For invaluable guidance designing an RV insurance policy, contact Southern Insurance AL in Foley, AL. They help clients in and around Baldwin County protect their most valuable assets. In addition to motorhome insurance, they also specialize in auto, homeowners, renters, boat, and motorcycle insurance. Visit their website to learn more about insuring your recreational vehicle or call (251) 943-3340 to request a quote.