Will My Auto Insurance Cover My RV?

Purchasing a recreational vehicle (RV) brings immense excitement, heightening the thrill of anticipating the numerous adventures awaiting you in your mobile home. As you ensure all to-dos are checked off before your first trip, make sure you’ve appropriately insured your RV. It is a common assumption among first-time RV owners that their automotive insurance will provide comprehensive coverage for their RVs. However, auto insurance only offers limited coverage and cannot substitute for a separate RV insurance policy.

Auto Insurance’s Scope of Coverage

While most auto insurers permit adding an RV to your existing policy, the coverage provided is usually insufficient. In some instances, claims made on your auto insurance involving your RV may not get approved. If your RV incurs damage, the items within it are stolen or damaged, or your non-towable RV needs to be moved, your auto insurance plan will likely deny the claim. In contrast, dedicated insurance for your RV can ensure comprehensive coverage. Regardless of the chosen insurance for your RV, it is crucial to understand the specifics of its coverage.

Now that you appreciate the importance of securing adequate RV insurance before hitting the road, you may be looking for a suitable insurance provider. If you reside in Centennial, CO, consider Atrium Insurance Group as your go-to provider. We at Atrium Insurance Group prioritize our customers’ needs and work tirelessly to ensure they are fully met. We extend our services across Centennial, CO, and surrounding regions. Contact us today so we can furnish you with a quote and get you started.