How is RV insurance different from auto insurance in CT

Auto insurance provides basic insurance for your recreational vehicle, but many insurance companies have RV coverage specifically for a reason. A RV is not your typical vehicle, and faces insurance challenges that you’re not going to run into with the family car. Some of these challenges include the amount of personal assets stored in the vehicle, what happens if the RV gets damaged while it is stored in the offseason, and how to handle the plumbing or electrical systems in the RV.

The first area where RV insurance is different is that you can get RV coverage that protects the vehicle when it’s stored on the premises during the off season. Since so many RVs are used to travel during the summer and autumn months, they don’t need full auto insurance coverage during the time they are stored. Instead, the storage protection covers the vehicle in case it is damaged while in storage, or if it causes damage.

The second area is that it functions like homeowners insurance for personal assets and the house systems on the vehicle. If your assets are lost, destroyed, or stolen, you can file a claim so you aren’t running around without any spare clothes or housewares. It also covers certain issues within the systems of the RV as well, such as the electrical system.

Finally, RV insurance also provides protection against accommodation costs if your RV breaks down during a vacation. This RV coverage helps you pay for hotels or other places to stay throughout the course of your vacation when you can’t use your RV.

Talk to your local independent insurance agent in East Hartford, CT, to get quotes and more information about RV insurance, instead of hoping that plain auto insurance will do the trick.