Many Americans take vacations in recreational vehicles (RVs) and so-called "RVing" has become an American cultural icon. Traveling in recreational vehicles allows you and your family to travel in comfort, to stay in RV parks and other camping facilities with the full amenities of home. Clearly, an RV is much more than an automobile and when it comes time to purchase RV insurance, there are some things that you need to keep in mind.The typical recreational vehicle contains amenities that you would never see in an automobile. For example, many people place fully functional entertainment systems in their RV, including a television, a stereo, VCR/DVR, perhaps a DVD player and a gaming console, etc. Many RVs come with kitchen appliances such as microwaves and refrigerators, as well as living and sleeping furniture. Standard automobile policies do not cover any of those items. Therefore, if you plan to travel by RV, you should seek an insurance policy that covers all of the typical areas that you would expect to be covered in a typical auto insurance policy as well as coverage for the many expensive items that are inside the RV. For this, you will need to purchase RV insurance.
Besides protecting the items inside your RV, there are other reasons why recreational vehicle owners would need to purchase RV insurance. For example, when your RV is parked at a campsite, you may be responsible if anyone is injured in the campsite. Traditional automobile insurance can not provide coverage for such situations, but RV insurance does. Also, many RV insurance policies offer travel and lodging assistance in case your RV breaks down on the road.
Since a recreational vehicle is much more than just an automobile, it needs to be protected by more than simple auto insurance. RV insurance is specifically designed to cover those costs that are unique to recreational vehicles.
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