Recreation vehicle insurance companies are able to price their coverage based on the recreational use of the RV rather than treating RV risk the same as auto risk. RV-specific policy rates take into account that RVs are not used with the same frequency as commuter vehicles. RV-specific insurance policies are not new. Invented by RV coverage is comparable and often less in price to standard auto coverage rvcampsites but provides substantially more protection. Insurance agents who offer RV-specific policies understand how you use your recreation vehicle and have tailored a wide variety of coverages to protect your RVing lifestyle. At first glance, a standard auto carrier seems fine-the company has a reputable name, they''ve done a great job with your home or autos, and they''ve rvcampsites offered all the state-required liability limits. But too often auto insurance providers assume your "home on wheels" is really just like a big car. Knowing your RV as well as you do, you know that this simply couldn''t be further from the truth.

Guaranteed Total Loss Replacement If you have a model year RV, you may be eligible for Total Loss Replacement. Total Loss Replacement Explained... If your RV is destroyed within its first five model years, this coverage will rvcampsites ensure that you get a brand new RV- even if it costs more than you paid for the original unit! This coverage is a great way to protect your investment from the effects of depreciation. During model years 6 through the life of your policy our companies will pay the original purchase price toward the cost of a new RV. Automatic Coverage for Accessories Our companies automatically cover attached accessories such as awnings, satellite dishes, and air conditioning units. High Liability Limits Our policies start with your liability coverage at: $100,000 Each Person $300,000 Per Accident $50,000 Property Damage. Optional coverages: Up to 1 Million dollars of liability coverage.

Most auto policies won''t replace stolen or damaged personal property. If you insure your RV on your auto policy, it typically doesn''t include coverage for clothes, cameras, tools, bicycles, dishes and other personal property. That''s the job of your homeowners policy. Unfortunately, only 10% of your homeowners personal belongings insurance limit can typically be used to cover off-premises property (i.e., rvcampsites in your RV). That may not be enough. Plus, you may be stuck paying a $250 or higher deductible. Specialized Recreation vehicle insurance policies should provide high limits for personal property, a zero deductible rvcampsites on belongings coverage, plus optional replacement cost coverage so you can replace stolen or damaged items with new items of similar kind and rvcampsites quality. Attached accessories may not be covered. If you add awnings, antennas, a satellite dish or other attached accessories to your motor home or trailer after you buy it, many insurance policies won''t cover them. Unfortunately, these expensive items are commonly damaged. Make sure you buy a policy that covers these items, even if you add them after you buy the RV.

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