How different is RV Insurance from Auto Insurance?

A recreational vehicle is similar to a car in many ways, a factor that contributes to the willingness of insurance companies to issue a policy. If you plan to travel to a new destination in your recreational vehicle, it would be important to understand how RV insurance differs from regular auto insurance. Please reach out to Alliance Insurance Services for an RV insurance quote in Arvada, CO.

Full-timers insurance

The full-timers insurance under this policy will cover any loss or damages that occur when the RV is parked or when the vehicle is used as a primary residence. This kind of coverage will be similar to that offered by homeowners insurance. Full-timers insurance will also meet medical bills and emergency-treatment for any third party that sustains injuries while in or around the recreational vehicle.

Emergency expense coverage

Some RV insurance policies provide coverage for any emergency expenses incurred while the vehicle is being repaired. In order for this to happen, the losses must have occurred within a specified distance from the RV and should have occurred while the vehicle is being repaired. In case you found an alternative stable residence during the repairs, the policy will also cover meals and the related traveling expenses.

Campsite liability insurance

The liability insurance is designed for RV owners who use their vehicles as their residence. The policy will not only provide full coverage for equipment such as camping gear and portable electronics but also liability from injuries caused by the camping equipment that you keep in the vehicle. This allows you the peace of mind you need to use the RV for camping activities.

You may want to use your recreational vehicle for different activities in Arvada, CO. Before hitting the road with your RV, kindly contact Alliance Insurance Services to learn more and to purchase RV insurance that will keep you protected.