When you purchase an RV at Hanner RV near Abilene, TX, it is important to research RV insurance. Never assume your current auto insurance policy will be enough to cover your new recreational vehicle. What is RV insurance? First of all, it doesn’t just cover motorhomes (what we traditionally envision as an RV). It covers fifth wheel trailers, travel trailers, small campers, and more. So, let us break it down for you to help answer any questions you might have.
RV Insurance Requirements
However, most states do not require you to purchase RV insurance if you do not drive your RV — that is, if you only tow your trailer behind you with a truck or SUV. However, just because you might not be required to carry the insurance, doesn’t mean you don’t need it, as the insurance can cover costly repairs in the event of a mechanical issue or accident.
Covers More Than Traditional Insurance
Most states do require you to carry specialized RV insurance, however, if you drive your RV, just like any other vehicle. RV insurance will cover your RV like traditional auto insurance, but will also cover things like plumbing, electric, and other unique RV elements.
If you live out of your RV or drive it almost every day, you should purchase full-time RV insurance. But if you only take your RV out for one or two trips a year, part-time insurance should suffice. If you have any more questions about RV Insurance, please let us know. We’d love to help you today! Learn more here.