A common practice for RV owners is to insure their RV under their current auto policy. But all too often, the RV owner does not take the time to read what and how much is actually covered in these instances. In many instances, RVs insured under auto policies are not adequately covered.
One misconception that many RV owners have is that the personal property in their RV will be covered under their homeowner’s policy. This is true, but coverage on personal property is limited when the property is kept somewhere other than the “residence premises.” Often the limit in a standard policy is very low, and the usual policy deductibles apply.
To insure proper and adequate coverage, an RV owner should add separate RV insurance to their current auto policy, or secure a policy specifically designed for RVs.
If the RV owner’s insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV insurance. Usually the cost is minimal, particularly when compared to the alternative, e.g. discovering that the RV and its contents are not covered after a loss occurs.
Tips When You Hit the Road
Before your trip, make sure you get a complete travel check-up for your RV, including inspection of all belts and hoses, headlights, tires, and turn signals. Also, don’t forget to make sure the towing hitch, fire extinguisher, and smoke alarms are all in working order.
Before a trip, you should also make sure that your stove’s vent hood is clean to help prevent fires, and be sure you leave your trip plans and phone numbers with a relative or friend.
Finally, it is important to go over basic emergency procedures with all travelers who will be making the trip.
Remind everyone that it is safer to be in the RV rather than outside during a lightning storm. If there is a tornado warning, you will want to find a tornado shelter or take refuge by parking under a bridge or similar structure. Don’t ever drive through any deep water, as appearances regarding the actual depth can be deceiving.