While you can partially cover your RV with an existing auto policy, we don’t recommend it. RV insurance policies are specially tailored to meet a RV user’s unique needs, covering many possibilities auto policies can’t. Those who live in their RV will find full-timer’s insurance policies especially useful.
Get an RV insurance quote through BIG SWFL to find a policy that meets your needs.
Your RV offers much more than a standard car and therefore deserves specialized coverage. It’s a home away from home, packed with amenities and valuable possessions.
Just think of all the situations you might encounter in your RV — situations generally not covered under a car insurance policy:
- Clothes, camping equipment, and personal valuables are lost or stolen from your RV
- Someone is hurt in or near your RV
- Your RV is damaged on the road, and you need a place to stay and a way to get there
An RV covered under your auto policy will have only basic liability coverage, which leaves you financially vulnerable. Plus, you won’t have any of the following coverages:
- Total loss recovery/agreed value
- Emergency expense
- Vacation liability
- Personal effect replacement
- Full-timers package
- Roadside assistance
RV insurance covers many types of recreational vehicles, including:
- Motor homes, including classes A, B, and C
- Professional and non-professional bus conversions
- Motor coaches
- Camper vans