In our experience at Morco Insurance Agency, many people believe their car insurance policy will also cover their RV. Unfortunately, this is not the case, as the risks associated with RVs are significantly different from those associated with standard cars.
In this article, we will explain how RV insurance differs from standard car insurance. If you need an RV insurance policy, don’t hesitate to give us a call so that our agents can help you get the best policy for your unique situation.
- Size and Handling – Since RVs are so much larger than cars, they are more difficult to drive, and accidents involving an RV tend to be more severe. RV insurance is designed to account for these risks, while standard auto insurance does not.
- RVs as Residences – Another factor that makes RV insurance different from standard car insurance is the way RVs are designed for habitation. Many RV owners use their RVs as temporary or primary residences, which carries risks not associated with typical vehicles. RV insurance therefore carries some of the same protections as home insurance, including coverage for temporary accommodations if the RV becomes uninhabitable for any reason.
- Liability Coverage – As we mentioned above, RV coverage carries some of the same protections as home insurance for those who live full- or part-time in these vehicles. One example of this kind of protection is liability coverage. RV insurance carries more robust liability protection than standard car insurance to protect you if anyone gets hurt while visiting your RV.