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An Introduction To RV Insurance

RV insurance is complicated because RVs combine aspects of vehicles and homes. It is important to consider conventional car insurance like liability, collision, and uninsured motorist coverage. Additionally, RV insurance can cover appliances and personal items inside the RV, similar to renter's or homeowner's insurance. Some people live in RVs full-time, so insurance policies exist that provide both vehicle and home coverage for those who reside permanently in their RV.

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1K views2 pages

An Introduction To RV Insurance

RV insurance is complicated because RVs combine aspects of vehicles and homes. It is important to consider conventional car insurance like liability, collision, and uninsured motorist coverage. Additionally, RV insurance can cover appliances and personal items inside the RV, similar to renter's or homeowner's insurance. Some people live in RVs full-time, so insurance policies exist that provide both vehicle and home coverage for those who reside permanently in their RV.

Uploaded by

ABI
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as TXT, PDF, TXT or read online on Scribd
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Title:

An Introduction to RV Insurance

Word Count:
442

Summary:
Insurance coverage for recreational vehicles (RVs) can be a complicated issue. RVs
combine many aspects of regular traveling vehicles with aspects of a home. There
are several issues that need to be considered when purchasing RV insurance. First,
all conventional car insurance issues must be covered. Second, it is a good idea
to insure items inside the RV as well. Other issues arise for people who live
predominantly in their RV and do not have a permanent residence anywhere else.

Keywords:
RV Insurance, RV Insurance Quotes, RV Insurance Policies, RV Rental Insurance

Article Body:
Insurance coverage for recreational vehicles (RVs) can be a complicated issue. RVs
combine many aspects of regular traveling vehicles with aspects of a home. There
are several issues that need to be considered when purchasing RV insurance. First,
all conventional car insurance issues must be covered. Second, it is a good idea
to insure items inside the RV as well. Other issues arise for people who live
predominantly in their RV and do not have a permanent residence anywhere else.

The definition of an RV is somewhat loose. An RV is traditionally viewed as a


motor home, but many travel trailers, fifth wheels, and tour buses are considered
RVs as well.

Since RVs are motor vehicles, they must be covered for conventional car insurance
issues such as liability, collision, and uninsured or underinsured motorists. It
is a legal requirement to have liability insurance, which covers all damages and
bodily harm that is caused by the insured RV motorist. This protects people who
the RV owner may collide with, and guarantees that they will receive compensation.
Collision insurance covers any damage done to the RV when a collision occurs. This
includes situations in which the RV collides with an object or an object collides
with the RV. It is a good idea for RV owners to purchase uninsured or underinsured
motorist coverage as well. This type of coverage protects the RV owner from having
to pay for any damages caused by another vehicle driven by someone who does not
have enough insurance to cover the damages.

RVs usually include appliances; it is a good idea, though it is not legally


required, to insure these as well. The main difference between RV insurance and
standard car insurance is that RV insurance policies can cover appliances and
personal items in the RV. Plumbing, electrical problems, and other issues can be
covered by RV insurance policies. Other items in the RV -- like TVs, stereos, or
furniture -- can also be insured. This is similar to homeowner�s or renter�s
insurance. Usually, people must ask for coverage of internal items because the law
does not require it.

People who live in their RV full time and do not have a permanent residence have
additional options. Many insurance companies offer full time coverage specifically
designed for people who live in their RV. These types of policies often provide
total vehicle and home insurance for the RV.

It is important for RV owners to purchase appropriate coverage for their vehicle.


Many RV owners foolishly purchase the bare minimum of coverage, and then have to
pay out of pocket for costly repairs on appliances and other items inside the RV.

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