Before you hitch up that camper or get the behind the wheel of your new RV (Recreational Vehicle), check your auto insurance policy or this vacation may cost you more then you bargained for.
Some insurance companies will allow you to insure your camper on your auto policy and others may require you to get a recreational vehicle policy. The coverage you are looking for is liability. If you have this included with your auto insurance coverage more than likely the liability will extend to towing the camper as long as it’s hitched up to your vehicle.
If you want liability coverage while the camper is unhitched such as at a campground or in storage you may want to check your homeowners or renters’ policy to see what extension on the coverage you have.
Extra coverage for an RV or Camper is always available if your other two options do not have the coverage you need. You can also purchase comprehensive and collision coverage just like you have with your vehicle and get a separate deductible. Specific questions about your camper or RV would be, what it is made of aluminum, fiberglass etc, the size and length of the vehicle and if it’s a pull behind.
Contacting your insurance company before purchasing the RV or Camper you are considering is highly recommended to find out just exactly what type of insurance policy you will need. When you purchase, add that policy right away, especially if you are not an experienced driver. Contact us today with any questions.
Photo Courtesy of debspoons at FreeDigitalPhotos.net