Driving any kind of vehicle carries a certain level of risk, which is why all drivers need insurance. Furthermore, different types of vehicles have varying risk levels. For example, driving an 18-wheel truck is riskier than driving a compact car, as the former would cause far more damage if it were to collide with something.
When it comes to RVs, there are unique risks that other vehicle owners don’t need to think about. Because people can live in their RVs, not just drive in them, RV insurance includes aspects of both home insurance and vehicle insurance. We at LaVaughn Rodgers Insurance encourage you to keep reading if you want to learn more about RV insurance.
- Vehicle Damage – Like car insurance, RV insurance covers damage to the vehicle. However, the specifics can be more complicated, as not all policies cover all situations in which damage to an RV might occur. Ordinary auto insurance typically only covers damage to an RV that occurs while it is being towed behind your main car or truck, so you will need RV specific insurance to cover damage that occurs while the RV is unhitched or traveling under its own power.
- Vehicle Contents – Many RV insurance policies also cover the contents of the vehicle. This is useful for those who live in their RVs full- or part-time, as it offers peace of mind that you will be able to replace or repair any of the belongings you keep in your mobile home.
- Liability – Like both auto and home insurance, RV insurance also offers liability coverage. If someone gets hurt while spending time in your RV or as the result of a collision with it, then this part of your policy will kick in to help cover the costs of their medical care, as well as any legal damages.