An RV is an interesting vehicle because it fits into several different categories. It is true that many recreational vehicles can be driven like a car, but it is not really like a car. It is also like a basic camper that you pull behind a car, but it is not just a camper either. There is also a very large variety of RV units available if you are looking for a way to travel more easily and camp alone the way. If this sounds interesting to you, it is important to get the right kind of RV insurance. Every company that you talk to will have different items included in their RV insurance quotes so it important for you to understand the details.

First of all, you need to identify the type of vehicle you have and make sure the insurance you are looking for matches it. The term RV can be used to refer to a vehicle that has its own engine so that it can be driven. However, other units that are larger in size are sometimes called RVs even though they have to be pulled by a car or a truck. Any unit that has its own engine requires additional insurance for the driving aspect of it. In most cases, when people think about obtaining any kind of insurance for a vehicle of any kind, they think about auto insurance. This is normal because everyone has a car, and anyone who has a car has had to obtain car insurance for it. It stands to reason that when they buy a new RV, they think about insurance in the same way they would think about their car insurance. However, there are some important differences between insurance for your recreational vehicle and insurance for your car.

The most noticeable difference between these two types of insurance is that insurance for your motor home does include the contents of the vehicle. However, there is a limit to the amount that the contents can be insured for. This is very different from car insurance. Another significant difference is the amount that is paid from insurance if something happens to the unit. When a car is totaled and has to be replaced, the insurance company typically only pays for the depreciated value of the car. There are very, very few circumstances where that amount is sufficient to replace the car. You usually end up replacing your destroyed car with one that has much less value.

If your RV is destroyed, and it is less than 5 years old, your insurance will completely replace the motor home. If the unit is older than 5 years, the owner will receive the original cost of the vehicle.

The kind of insurance you need for your RV also depends upon your usage. Unlike a car, you can pay seasonally if you only use your RV in the summertime. On the other hand, if you live in your RV full time, you can get “full timer’s insurance”. This increases the insurance limit on the contents as you will likely have many more personal possessions in the unit.

Author Bio: Penny Lane is writing an article on purchasing RV insurance. She has gotten many RV insurance quotes in the course of doing her research.

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