Getting insurance for your RV or recreational vehicle can be very difficult. The policies that you can have are usually a mix of homeowner's and car insurance, making the liabilities covered by your plan hard to determine.
Types of recreational vehicles
There are two types of RVs. First are those that are towed by another vehicle (such as cars, pick-up trucks, or vans). There are also RVs that have been built into a vehicle or is part of the chassis of a vehicle. You will need to follow specific highway rules such as speed limits. But that also depends on the type of RV you purchased.
Types of insurance policies
Because the RV is a combination of your home and vehicle and is therefore a ?double risk,? getting insurance policies for it can be painstakingly hard. Each insurance company offers different kinds of policies to make sure that you will always be safe in case of emergencies. Insurance companies usually offer the following coverage on insurance for recreational vehicles:
? The vehicular qualities of your RV such as in collisions, auto theft and vandalism
? Others offer coverage for the plumbing, electric, or gas lines of your RV
? There are also some which cover both aspects of the vehicle but may cost more than your regular policies
It is recommended that you should cover everything that you can in your insurance for your RV, for it covers both your living and vehicular needs. If ever you have an insurance policy which covers only the vehicular risks of your RV, you may spend a lot of money when problems in the home risks of your RV arise, such as problems regarding plumbing or electricity connections.