Would I need a separate insurance for my RV even if I already had auto insurance?

Yes, you generally need a separate insurance policy for your RV.

While auto insurance covers standard vehicles used for commuting and everyday activities, RV insurance is designed to cover the unique needs of recreational vehicles. Here are some key differences:

1. Coverage Scope: RV insurance typically includes liability, comprehensive, and collision coverage, similar to auto insurance. However, it also offers additional protections specific to RVs, such as coverage for personal belongings, emergency expenses, and vacation liability.

2. Living Quarters: Unlike standard auto insurance, RV insurance takes into account that you might be living in your RV for extended periods. This means it can cover incidents related to living in the RV, such as theft of personal items or damage to the living area.

3. Types of RV Insurance:

• Full-time RV Insurance: For those who use their RV as a permanent residence.

• Part-time RV Insurance: For those who use their RV primarily for vacations and short trips.

4. State Requirements: Most states require RVs to have their own insurance policies, especially if the RV is motorized. If your RV is towable, your auto insurance might cover some aspects, but it’s often limited.

Do I need to maintain insurance on my RV even if it’s not being driven?

Yes, you generally still need insurance for your RV even if it’s not being driven. Here are a few reasons why:

1. Storage Coverage: Insurance can protect your RV against risks like theft, fire, vandalism, and weather damage while it’s in storage.

2. Liability Requirements: Some states require liability insurance for any vehicle, including RVs, even if they are not being driven.

3. Loan or Lease Agreements: If you have financed or leased your RV, the lender or leasing company may require you to maintain insurance coverage at all times.

4. Municipal Regulations: Many municipalities require any vehicle parked on public roadways to be registered and insured, which includes RVs.

If your RV is towable and not motorized, it might be covered under your auto insurance policy while it’s being towed, but this coverage is often limited. It’s always a good idea to check with your insurance provider to understand the specific requirements and coverage options for your RV.

Remember, discussing your unique situation with our professional agent will help you make an informed decision. They can guide you toward the best policy that aligns with your goals and financial comfort.