Whether you bought your RV for the occasional getaway or as a new home, it’s important to make sure it’s adequately protected. Buying RV insurance will not only fulfill legal requirements but also safeguard your finances. To ensure you choose the right policy for you, here are a few common missteps to be aware of when shopping for insurance.

RV Insurance Errors to Avoid 

1. Believing Your Auto Policy Is Sufficient

An RV is a specialized vehicle that needs its own insurance policy. Attempting to add an endorsement onto an existing auto policy can leave you vulnerable to coverage gaps. Generally, auto insurance will only extend liability coverage to an RV if it needs to be towed. This means if you get into an accident while driving or it’s damaged or stolen under other circumstances, it won’t be covered. 

RV insurance offers additional coverage not included in an auto policy. Purchasing a separate policy will allow you to protect the total value of the vehicle and your personal belongings. 

2. Not Considering How Your RV Is Used

When putting an RV insurance policy together, think about how you intend to use this vehicle. This will help determine which kinds of coverage you need and how much to buy. For example, if you plan to spend a great deal of time at campsites or want to travel for a long length of time, it’s likely you’ll want campsite and vacation liability. If your RV is going to be your primary residence, you must have full-timer’s liability. These different uses have unique risks that require certain protection. 

3. Choosing Coverage Based on Price 

It can be tempting to go with the least expensive policy you find in an effort to save money. However, basing your decision on price alone can end up costing you more in the long run. Instead, focus on getting the best deal possible without compromising coverage. Your insurance agent can advise you on other ways to reduce your premium, such as bundling policies and installing safety features. 

If you’re looking to secure reliable and affordable protection for your RV, let the agents at Mountcastle Insurance guide you through the shopping process. They’ll explain all your coverage options and help customize a policy that’s suitable for your specific needs. With offices in Lexington and Winston-Salem, NC, the independent agency has been committed to offering residents throughout the Piedmont Triad area a variety of high-quality insurance solutions for more than a century. Call (336) 777-8500 to set up an appointment, or visit them online to learn more about their services.