Like the RVs they protect, Recreation vehicle insurance policies differ by company. Coverages vary. Claim expertise does too. Even if you only use your RV for occasional weekend trips, your Recreation vehicle insurance purchase decision should be based on which company provides the best long-term value - a mix of coverage, experience and price. Carefully consider the points listed below. The right choice now could save you plenty of headaches and money later. Insuring your RV on your auto policy could leave you exposed. Many RV owners choose to insure their RV on the same policy as their car, even though an auto policy was never designed to insure such specialized equipment. Be careful. Most auto policies don''t include important coverages that RVers like you need. What''s more, even minor RV claims can dramatically boost your entire auto insurance bill. Buying a separate, specialized motor home or trailer policy avoids this risk.

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 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 motorhomeappraisel 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.

FULL RV REPLACEMENT Protect the investment you''ve made in your RV by adding Full RV Replacement coverage to your motorhomeappraisel plan. This coverage insures that if your RV is less than 5 years old and it is totaled due to an accident, it will be replaced with a NEW RV. This optional coverage is a must for those RVers who enjoy frequently trading-up for newer models. motorhomeappraisel STATED VALUE Cover your customized, classic or restored RVs and autos with Stated Value coverage. We know you take pride in your vehicles especially when they are worth more than the standard book value. A picture and appraisal is all you need to determine the value you will receive if your vehicle is totaled due to an accident. RV & TOW VEHICLE CUSTOMIZATION When you add permanent items like murals, entertainment centers, wheelchair lifts, specialized towkits, etc. you increase the value of your RV or tow vehicle. Camping World Insurance can customize your policy to cover your specific needs. PERSONAL EFFECT motorhomeappraisel.

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