In's And Out's Of RV Insurance

If you bought a tractor trailer, you wouldn’t add it to your car insurance policy. It’s a specialized vehicle and needs special coverages and claims handling. So why do so many recreational vehicle owners add their RV to their car insurance policy?

Here's why you may want to rethink that strategy:

• what if your RV breaks down on a trip?
  While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you’re responsible for paying while you're on vacation.
• What if your RV is involved in a crash?
  Auto insurers typically have someone who normally handles car insurance claims inspect your RV. Specialty RV insurers train claims rep's to look for damage and write estimates specific to RVs. They also work with repair facilities that know how to repair an RV and guarantee the work.
• What if the stuff in your RV is stolen?
  You may keep things inside your RV that you never keep in your car like jewelry, laptops and camcorders. Your auto policy won’t pay to replace these items if they’re lost, stolen or damaged. Specialty insurers offer “personal effects” coverage that will pay to replace them if they’re used with your RV.

For more information on proper RV insurance in NY contact Hudson Valley Agents for a professional free rate quote and information specific to your RV.