RV Insurance: 8 Reasons why attaching your RV to an Auto Insurance Policy is a Big Mistake

When you purchase an RV, it is very simple for you to add the RV onto your auto insurance policy. Many auto insurance companies do cover RV's on a regular auto insurance policy. However, even though the coverages seem the same, they're not! There are some very important coverages associated with an exclusive RV policy that are not available when attached to an auto insurance policy.

Here are eight reasons why having specific RV insurance is better than simply attaching your RV to an auto insurance policy. In all of these eight reasons, attaching an RV onto an auto insurance policy falls short in someway. Either that type of coverage is not offered at all, or if it is, it's not offered to an adequate level that an RV insurance policy needs.

1. Higher liability limits on the road. In the event of a major collision, it only makes sense that an RV has the potential to cause much more injury or damage than a regular automobile. That's why it's important to have higher liability limits than what's usually offered on auto insurance policy.
2. Agreed value coverage. Most auto policies will only offer coverage on an RV in terms of actual cash value. With an exclusive RV insurance policy, you'll be able to get agreed valued coverage on most models.
3. Emergency expenses coverage. When you take your RV so many miles away from home (milage varies by company), and you have a breakdown, expenses can add up really quick. That includes finding alternate transportation, food, & lodging. Imagine being on vacation and your RV breaks down in the middle of nowhere. 
4. Full-timer or campsite liability coverage. This is for using your RV as a residence (either on a short or long term basis). If someone were to visit your RV and somehow get injured, this would cover you for liability. Usually high amounts are offered vs. no coverage at all on an auto policy.
5. Coverage for accessories. If your RV has something added onto it, you can get coverage on it as well. Many RV's have thousands of dollars worth of accessories on their RV's. Why not protect those?
6. International coverage. If you plan to visit Mexico or Canada, you better make damn sure your RV is covered if you have it attached to an auto insurance policy. Because most likely it is not. However, most exclusive RV insurance policies will will cover you across the border.
7. Roadside assistance/towing.  A lot of auto policies do have fairly good coverage for roadside assistance. The problem is that RV's cost a lot more to tow than a regular automobile does. Without the right coverage, you will have to eat the difference.
8. Coverage on personal property. Your belongings that you take with you will not be covered on a regular auto insurance policy. This includes things like TV's, laptops, tablets, phones etc. This is very important coverage to have if you keep a lot of valuables in your RV. And you won't find this coverage if the RV is attached to an auto policy!

    If you would like to get an exclusive RV insurance quote, click on the link below and I will run your information through my companies. I will find you the best coverage I can for the lowest rate. And as always, I handle all quotes personally and privately.


                    
Get an RV Insurance Quote with Lyles Insurance


Related Blog Articles:

8 Point Checklist to determine a good RV Insurance policy from a lousy one

​

---