5 Reasons to Buy RV Insurance from a Specialist

Now that you have purchased your dream vehicle, you may be tempted to go with the RV insurance that your car insurance company provides. But before you do that, you should know that traditional automobile insurance agencies typically don't provide the depth of coverage your new vehicle needs. Buying a policy from a specialist means that your motor home is fully insured. Following are 5 reasons you should buy your policy from a specialist:

1.    Coverage for your personal belongings

As you know, your recreational vehicle actually becomes your home, and you keep personal belongings in there all the time, on the road or off. A traditional insurance company will not cover your personal belongings, but a specialized agency knows that this is your home away from home. They will insure all your personal belongings in the vehicle.

2.    Coverage for permanent attachments

Most insurance agencies will not cover permanent attachments like awnings, steps, antennae, and the like. However, these items are the most commonly damaged items on a recreational vehicle. A lower-than-anticipated bridge or gas station roof or a low-hanging branch can seriously damage these attachments. An insurance policy from a specialized agent will cover these items, even when a traditional policy will not.

3.    Coverage for full-time RV-ers

The recreational vehicle life can become a permanent lifestyle for many people, who choose to live on the road. If you choose to actually live in your motor home, a traditional insurance policy still treats it simply as a car. However, a specialized policy will actually become similar to a homeowner's policy if you opt to make it your home. That kind of coverage gives a full-time road warrior great peace of mind.

4.    Hitch Coverage

Another pricey item that traditional policies overlook is the hitch. They simply won't cover it at all. But a policy geared specifically to your recreational vehicle covers the entire hitch assembly, even the parts that attach to a truck or tow vehicle. These policies cover you bumper-to-bumper, and even a little beyond that.

5.    Claims processed by experts

If you do have to make a claim, an agent who might not understand the details of a recreational vehicle will handle a traditional policy. They are complex vehicles that often have a lot of accessories and should be treated differently than a typical automobile. If you make a claim with a specialized agency, they will understand the particulars of your situation and go the extra mile to get you back on the road quickly.

As you can see, there are many advantages to buying a specialized claim. So it's worth your time--and your money--to seek out a company that understands recreational vehicle insurance policies.

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