Your RV is more than your car, and your RV insurance coverage should protect more than what typical car insurance does. Rather than add your RV to your auto policy, consider RV insurance coverage with an RV policy. Keep the following in mind as you decide whether to buy RV insurance coverage, since the following situations are generally not covered under a standard auto insurance policy:

• You keep things in your RV that you wouldn’t keep in your car, such as clothing, jewelry, binoculars, VCRs, laptops, camcorders, or outdoor gear.
• When you park your RV at a campsite, you may be liable for the area around your RV. If someone is injured, you may responsible.
• If your RV is damaged while you’re traveling, you’ll need a place to stay and a way to get there.

Since none of the scenarios above is covered in the event of a loss, they could end up costing you thousands of dollars. However, when you insure your RV on its own policy, you’ll know you have a wide range of RV insurance coverage for a wide range of incidents.

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