When making the decision to purchase a new RV, one of the first things you most likely considered was which RV you wanted to buy. With multiple models and numerous manufacturers, the choices are practically endless. So surely much goodsamrvclub time was spent investigating which RV best met your family''s needs. Unfortunately, finding the perfect RV is where many RVers stop their research. The same diligence used in selecting an RV should also be used to evaluate which insurance will best protect not only your RV, but also your RVing lifestyle. If you haven''t checked out RV-specific insurance coverage goodsamrvclub lately, it''s likely you''re underinsured. By insuring your specialty investment with a standard auto carrier, you may also be ensuring a financial loss down the road should you ever need to file a claim.

Conveniences range from the basics -- like running water, cooking and bathroom facilities, and a power source (either electricity or liquid propane) -- to added comforts such as air conditioning, entertainment systems and slideout rooms. goodsamrvclub RVs fall into two general categories: Towable RVs An RV designed to be towed by a goodsamrvclub motorized vehicle (car, van or pickup truck) and of such size and weight as not to require a special highway movement permit. Towable RVs do not require permanent on-site hook-up. Click on an RV for more information. You probably don''t think about having to make a claim when you purchase insurance. But having "peace of mind" when you travel is exactly why you buy it. One easy way to narrow your choices is to only consider insurance companies that have RV claim expertise. Most don''t because they focus on life, auto or homeowners insurance and therefore spend less time handling motor home and trailer claims.

Most auto policies won''t replace stolen or damaged personal property. If you insure your RV on your auto policy, it typically doesn''t include coverage for clothes, cameras, tools, bicycles, dishes and other personal goodsamrvclub property. That''s the job of your homeowners policy. Unfortunately, only 10% of your homeowners personal belongings insurance limit can typically be used to cover off-premises property (i.e., in your RV). That may not be enough. Plus, you may be stuck paying a $250 or higher deductible. Specialized Recreation vehicle insurance policies should provide high limits for personal property, a zero deductible on belongings coverage, plus optional replacement cost coverage so you can replace stolen or damaged items with new items of similar kind and quality. Attached accessories may not be covered. If you add awnings, antennas, a satellite dish or other attached accessories to your motor home or trailer after you buy it, many insurance policies won''t cover them. Unfortunately, these expensive items are commonly damaged. Make sure you buy a policy that covers these items, even if you add them after you buy the RV.

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