Car insurance won't work for a recreational vehicle or RV. If you own one, as many middle class Americans do, you need a reasonably cheap RV insurance that offers enough coverage against accidents on the road.
You need insurance if you and your family travel great distances. It is especially needed if you travel into the wild to enjoy nature or use it as your mobile home. Your RV insurance effectively does a dual role of protecting your vehicle and protecting your home. It's always better to be safe than sorry down the road, as they say.
What Goes With It?
RV insurance typically covers various kinds of vehicles with the right insurance policies for each type. There's the motor home insurance that includes classes A, B and C types, camper van and camper insurance and travel trailers. RV owners who use their vehicles as their primary homes should take out a full timer's policy, which is similar to a homeowner's property insurance. On the other hand, if the RV is for excursions use only, then vacation liability coverage is more suitable.
Some Things to Consider
Because an RV is a road going vehicle, it is often tempting to just ask your auto insurer if you have a comprehensive collision insurance on an existing car or to have some form of a rider attached to the insurance to cover your RV. That's often possible and doable and you may believe you have acquired a cheap RV insurance on the side. That's alright if you use your RV occasionally on short camping trips; however, if you use it as your home then beware that many auto insurance companies have little appreciation of the special needs of RV mobile homeowners.
Homeowner Insurance
Your policy could be saddled with clauses that are useless when the time comes. If you do make your RV your mobile home, check out any of the specialty RV insurers online as they could provide the best insurance solution that can best fit your peculiar needs. If you have no plans of making your RV a home and prefer to use it as a leisure vehicle on short trips, another avenue to pursue is the homeowner's insurance policy.
A cheap RV insurance is possible to attain by adding it to your homeowner's property insurance. Just be aware of what can be covered and how much you can expect. Remember to clearly state the purpose of your RV to the chosen insurer; some RV owners will indicate occasional leisure use of the RV when it fact they plan to live in it permanently and as a result lack appropriate cover or even risk defaulting.
As with all insurance types, it is generally recommended to use the internet as a tool to browse the leading contenders in the cheap insurance market. In this way it is possible to compare cheap RV insurance providers with one another and make an adequate decision.
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