What’s the Difference Between RV and Car Insurance?

Could you put your RV on your auto insurance? Technically, yes. However, even though your auto liability may cover RVs, it may not give you enough coverage for everything that can happen on and off the road. Talk to the agents at Ransom & Associates Insurance Agency in Winder, GA to determine the best coverage for your rolling vacation home.

Here are some of the major differences between auto and RV insurance to help you determine the best coverage for your vehicles:

Vacation Liability Coverage

Car insurance covers accidents and related injuries. However, vacation liability, included with most RV insurance policies, covers events that can happen to your parked recreational vehicle. That can come in handy if someone vandalizes or burglarizes your RV vacation home.

Higher Limits

Large RVs are typically much more expensive than cars and other vehicles. Additionally, they cost more to own and operate. Therefore, you may need more insurance to cover your investment.

Due to their sheer size, recreational vehicles can do a lot of damage to smaller cars and trucks. In the case of an accident, this may increase your liability. Therefore, specialized insurance that compensates for this added risk can give you more financial protection and confidence when driving on busy highways. Your agent can help you decide what additional coverage would benefit you the most.

What Does Insurance on an RV Cover?

You never know what you’re going to face on the open road. That’s why it’s important to tailor your recreational vehicle insurance to your specific needs. Most policies include falling objects, vandalism, storms, fire, floods, and natural disasters. To create the right policy for you, it’s important to understand the liability you’ll face during each stage of your journey. You can do this more easily with RV coverage than with auto coverage alone.

Give Us A Call

Contact Ransom & Associates Insurance Agency in Winder, GA to set up an appointment for a free quote.