Avoiding Typical RV Insurance Mistakes: How to Do It

Nothing sounds as exciting as hitting the road and taking your RV out to drive far and wide to explore various states and cities. But before you pack your stuff and head for the great outdoors, you need to get an insurance check-up to ensure that you're protected while you travel.

Sadly, many people mistake putting this at the bottom of their to-do list and only realizing that it matters when it's a little too late. For this reason, it's best to put your RV insurance at the top of your list and speak to your insurance company to ensure that you're well protected on the road.

Common RV Insurance Mistakes That You Should Avoid

Mistake #1: Relying on Auto Insurance Coverage

If your trailer is attached to your vehicle, then sure, it may be covered by your auto insurance. However, the personal belongings inside your RV won't get any protection; that's why it's best to have specialized insurance that is designed to protect your RV and the valuables in it.

Whether you drive your RV or tow it behind your car, having a separate policy is crucial to ensure that different accidents and damages are covered, especially when RVs are more intricate than cars.

Mistake #2: Not Obtaining Emergency Roadside Assistance

RV insurance coverage would often include emergency roadside assistance. And this factor is beneficial, especially when you're stuck in the road far from the nearest gas station or auto repair shop.

Seeing as calling a standard tow service may not be enough and costly, it's important to ensure your policy includes emergency roadside assistance should the unfortunate happen. This way, you get to cut down costs, and you don't have to worry about getting assistance.

Mistake #3: Skipping or Getting Insufficient Liability Coverage

One of the biggest mistakes RV owners make is skimping on their liability coverage to cut down on costs, especially when they believe that they're a great driver and they're safe on the road.

With that being said, despite your best intentions, you may still get into an accident, and it's best to ensure that you have enough liability coverage to cover your damages and other costs.

Mistake #4: Selecting Market Value Coverage

If, in any case, you get into an accident and your RV gets totaled, you might want to replace it and buy a new RV; but of course, you don't want to get cash in your wallet to buy a new one. For this reason, it's best to choose a replacement coverage rather than a market value coverage.

When you get a market value coverage, you'll only get what your RV is worth during that time, which is often not enough to buy a new one to replace your totaled RV. Choosing replacement cost coverage will help you receive enough payment to replace your RV.

The Bottom Line: Don't Sleep On Your RV Insurance

Traveling and driving across states can be fun, but it's still extremely unpredictable, and you must remain protected at all costs. For this reason, ensure that you check your RV insurance before you hit the road. Of course, talking to a reliable insurance company is key, so you get the right coverage suited for your needs.

How Can We Help You?

If you're looking to get RV insurance for your trailer or RV, it's best to reach out to a credible insurance company.

Sanford Insurance Center is an insurance company in Sanford, Florida. We offer coverage services from homeowners insurance to mobile home insurance, auto and motorcycle insurance down to RV insurance. Let's work on protecting you and the ones you love — reach out to us today!