What does RV insurance provide that auto insurance doesn ?
You might think that your auto insurance policy would cover your RV, and it may to an extent. But your RV is different from your car. It contains facilities that your car doesn’t, and it’s used differently. You live in it, and you generally use campsite facilities when you’re not on the road. Your car insurance is not designed to cover the special hazards you face. RV insurance provides coverage where your auto insurance leaves you exposed. Be advised that RV insurance policies and coverages differ from company to company. So does claims expertise. You might want to shop around for the best coverage at the best price. Generally, RV insurance provides you with: • Agreed value coverage–You might own an exceptionally large or expensive RV whose “blue book” value doesn’t quite match its actual value. You and the insurance company may be able to agree on a specified value. The insurance company will want to appraise the RV for itself. • Total loss replacement–This coverage guarantees that
