Owning an RV provides you with both freedom and flexibility, but when it comes to insuring your vehicle with RV insurance, there’s a lot of misinformation. At Morco Insurance Agency, we’d like to clear up some of the myths we hear about RV insurance, so you can make confident decisions.
Myth #1: RV Insurance and auto insurance are the same.
While RVs are vehicles, their coverage needs are more complex. In addition to standard liability and collision coverage, RV insurance can provide coverage for your belongings, attached accessories, and even liability protection when your RV is parked and you’re living in it.
Myth #2: You only need insurance when you drive.
Many assume that you only need coverage on your RV when you’re on the road. However, RV insurance can protect your vehicle when you’re parked at a campsite. This can include protection against theft, weather damage, or accidents that happen when others visit your RV.
Myth #3: RV insurance is expensive.
The cost of RV insurance is often more affordable than people expect, especially if you don’t use your RV throughout the year. Most policies are flexible depending on how frequently you travel, so you don’t have to overpay for coverage you don’t need.
Myth #4: Your home insurance covers your RV.
Homeowners insurance usually doesn’t extend to your RV. Although it may offer limited coverage for your personal items, it won’t protect the RV itself or provide liability coverage in most situations.
Contact us today if you need help reviewing your RV coverage options.