RV Insurance Questions and Answers
June 13, 2008 by Be Safe Insure
Filed under Car Insurance
By Eriani Doyel
For those who are buying an RV, you may be wondering about RV insurance. Is it necessary? What kinds of RVs are covered by RV insurance? Is it the same as an extended warranty? Each of these questions is important and you should know the answers before you purchase a new or used RV.
1. Can I just use an auto insurance policy? Yes, you can. But, an RV insurance policy will cover the parts of the RV that the auto policy will not such as the stairs, the slideouts, and the awnings. These are some of the most common claims made for RVs. Not only that, if you have a towable RV or truck camper your automobile insurance will not cover it at all. If you have a towable, with some insurers you can have a combined policy which will cover the RV and the tow vehicle for a discounted price.
2. Where can I find RV insurance? You can find it through a regular insurance company, but they will not have the variety of products and RV policies that a company that specializes in RV insurance will have. For one of the best and easiest ways to shop for insurance you can go online, get quick free quotes, compare different companies, and apply. Just be sure that you are comparing policies with the same level of coverage.
3. Can I get RV insurance for my tent trailer? Yes you can. You can insure any type of RV from a truck camper to a full-size, ultra-luxury, diesel pusher motor home. It can also be new or used of any age.
4. What does the RV insurance cover? Most RV policies offer full coverage. This covers your RV no matter what happens and whose fault it is. A good policy will also offer total replacement for a new RV (less than 5 years old and with the original owner) that is totaled, or for a used RV (or one that is older than 5 years) you will get the purchase price back as a settlement in the event your RV is totaled.
5. How long does it take to apply? You can get a quote and apply and be approved in as little as a day.
6. Is it different than an extended warranty? Yes, an extended warranty covers engine repairs and appliances not accidents. This is why you need both.
Eriani Doyel writes articles about recreational vehicles. For a great resource for rv insurance visit quickrvinsurancequotes.com.
