If you’ve recently purchased an RV or are considering buying one, there are some factors to consider when insuring it. While you can opt for a standard auto insurance policy, RV insurance offers several beneficial differences.

1. Higher Coverage Limits

RV insurance provides higher limits for comprehensive and liability coverage than standard automobiles. It also considers the higher value of an RV, ensuring adequate compensation.

2. Vacation Liability

RVs are designed for recreational use. If you’re found liable for an incident while your RV is being used as lodging, vacation liability coverage protects you. A standard auto insurance policy does not cover this situation, leaving you to pay for damages out of pocket.

3. Personal Property Coverage

A standard auto insurance policy may not cover damage to your RV while it’s parked at a dwelling. However, with RV insurance, you can claim and replace personal property that was damaged or stolen.

4. Coverage for Full-Timers

Some people spend six months to a year living in their RV. RV insurance offers full-timer coverage that includes additional living expenses coverage, something not available with regular auto insurance policies.

Contact the North Georgia Insurance Center today if you have more questions about RV insurance than auto insurance. We’re happy to serve RV owners in the Commerce, GA, area and surrounding communities who need additional coverage. Contact us today for more information.