The Difference Between RV and Auto Insurance: Why You Need Specialized Coverage

Vehicle owners need auto and recreational vehicle (RV) insurance to protect against financial losses due to accidents, theft and liability claims. While both types of coverage share common elements, they serve distinct purposes based on how these vehicles are used. Auto insurance is designed for daily transportation, while RV insurance caters to the specific risks of recreational vehicles that sometimes double as temporary homes.

What Are the Differences Between Auto and RV Insurance?

The following are some factors that set RV insurance apart from standard auto coverage:

• Personal belongings coverage—RV insurance may cover items stored inside your recreational vehicle, such as clothes, electronics and camping gear. Standard auto insurance typically doesn’t cover personal items left in your car.

• Campsite and vacation liability—RV policies may include coverage for accidents while your RV is parked at a campsite. Auto insurance may only cover incidents while the vehicle is being used for transportation.

• Emergency expense coverage—If your RV becomes uninhabitable during a trip, this coverage may pay for hotel stays and transportation. Auto policies don’t offer this type of coverage since cars aren’t typically used as living spaces.

• Total loss replacement—Many RV policies offer the option to replace your totaled RV with a brand-new model within a specific timeframe—a feature rarely available with auto insurance.

• Custom equipment coverage—RV insurance may cover modifications and additions like solar panels, satellite dishes, and awnings. Auto insurance typically doesn’t cover aftermarket modifications without special endorsements.

Learn More

Contact Quality Insurance Services today to discuss your auto and RV insurance needs. Our experienced agents can help you understand your options and find the right coverage for your vehicles.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.