Owning an RV can be a great way to travel while saving money on hotel costs. RVs also allow you to save money on food, as you can cook your own food instead of eating out at restaurants all the time. Some RV owners are confused when it comes to purchasing insurance coverage for their RVs, and some wonder if it’s possible to cover an RV under an auto insurance policy.
The answer is no, and here is an explanation why.
Your RV is a Hybrid
Since RVs double as a mode of transportation as well as a living space, it’s hard to classify an RV. This is why RVs are covered under their own unique type of insurance. RV insurance provides sufficient coverage for both aspects of your RV, and in a way, it’s like having homeowners and auto insurance combined.
Auto Insurance Wouldn’t Provide Adequate Insurance
Again, your auto insurance wouldn’t be able to cover the uniqueness of an RV, so it’s best not to attempt to add it to your auto insurance policy. Even if an insurance company were to add your RV to your auto policy, if you needed to file a claim, the coverage likely wouldn’t cover all possible damages. If that were to happen, you would be stuck paying for the remaining repairs out of pocket. This could be quite pricey depending on the damage.
Consult With Southern Risk Associates
So, if you’re ready to purchase adequate insurance for your RV and you need a new insurance company, we’re accepting new customers at Southern Risk Associates. We cover customers in the Foley, AL area, and we go above and beyond to ensure you’re satisfied with Southern Risk Associates. So, if you’re a Foley, AL RV owner, give us a call, and we’ll provide you with a quote.
