Is Your Recreational Vehicle Properly Insured?

RV at campgroundIn many parts of the country, spring is finally here, and plans are being made for summer vacations, many of which will be in a recreational vehicle. Those who live in the south have the joy of year ’round outdoor fun, and are most likely making vacation plans as well.


Before you begin your next trip in your fifth-wheel, trailer, or motor home, you might want to review your insurance policy to ensure that you’re fully covered. If you added your RV to your personal auto policy, there might be large gaps in coverage. According to the International Risk Management Institute (IRMI), those policies are not designed for RVs.


Consider their reasoning for not including these recreational vehicles on an auto policy. They are not designed to be used as a vehicle on a regular basis, but as a secondary residence. This difference makes it imperative that you purchase a motor home insurance policy.


Common coverage gaps when your RV is on your Auto Policy


Here are some common coverage gaps when your RV is added to the Personal Auto Policy, explained by IRMI:


  • Most auto policies have low towing and roadside assistance limits ($25 or $75). These amounts are not sufficient enough to tow a motor home. Some motor home policies grant limits from $250 to $1000, and some have no limit.
  • If you are a full-timer (living in your motor home 24/7/365), you would have no comprehensive personal liability coverage if you covered your RV on an auto policy.
  • The typical auto policy provides physical damage coverage only to covered autos, not to personal property within the auto (your personal property is covered by your homeowners policy). Most motor home owners keep electronic equipment, kitchenware, clothing, small appliances – even state-of-the-art flat-screen televisions. A motor home policy provides coverage for personal property located inside or in the vicinity of the motor home.


Is your personal property inventoried?


And speaking of personal property, there are many more items in an RV than the few listed above. Do you have them all inventoried? Imagine a total loss and the struggle to remember everything in your camper, trailer, or motor home.


Whether you are a full-timer or a weekend camper, knowing what belongings are inside your RV will help you tremendously when it’s time to fill out an insurance claim. And, yes, we inventory RVs as well as houses, apartments, businesses, storage units, and barns.


For the Do-It-Yourselfer


Do you prefer to do  your own inventory instead of hiring a service to complete it for you? If you haven’t done it yet because you just don’t know where to start, what to list, how to list it, etc., then this RV Contents Inventory book is perfect for you!


Offered in paperback or ebook format, it is a how-to guide that explains insurance and why an inventory is beneficial for your Camping Trailer, Fifth-wheel or Motor Homes. Templates are also included to make the job easy for you.