With lots of things to see and a multitude of routes to get there, many RV owners make heavy use of their vehicles. They may use these RVs as both vehicles and functioning homes.
Though RVs are naturally roadworthy, they often have diverse uses besides driving. Since drivers will make various uses of their vehicles, they need appropriate insurance. Owners must consider the different aspects of the RV as they prepare to get insurance. The right policy can provide adequate coverage for various RV risks. Inappropriate coverage, conversely, will leave holes where operators need strong coverage.
Insuring RVs with Standard Auto Insurance
Accidents or other hazards like fire or theft could damage a standard vehicle. Furthermore, incidents could cause harm to others on the road or their property. Standard auto insurance might provide coverage for operating risks such as these.
Many auto insurers refuse to insure RVs and standard vehicles on the same policy. RVs often carry many risks that are un-insurable using standard coverage and limits. For example, RVs often contain appliances, electronics and other features that are not part of the standard car. These additions may cause damages outside the coverage limits of a standard policy.
Only in limited cases can you add RVs to standard auto insurance. Adding an RV to a standard policy means increasing the risks of damage that the policy faces. This may mean increasing policy coverage and upping the policy costs you have to pay.
Get a Separate RV Policy
Most RVs need specialized insurance to cover the risks associated with them. RV policies often contain many operating coverage elements similar to standard auto insurance. However, these policies will likely contain higher policy limits than the standard policy. They also often contain coverage that can protect specialty items in the RV. By separately insuring your RV, you can ensure it has effective coverage.
You might also not have to worry about excessive costs associated with buying a separate insurance policy. Talk to your insurance agent, and ask if they offer bundling options for various policies. By buying both your auto and RV policies (along with any other coverage) from the same insurer, you may be able to save on coverage.
Call Insurance Agent2000 at (925) 827-0510 today! We will help you get the right Clayton RV insurance coverage.