Road trip: RV Insurance can help
be worry-free on camping trips, long hauls
SEATTLE -Recreational Vehicle owners across the Northwest are
having a fun-filled summer on the road. That fun, however, could
be short-lived if you experience a loss and do not have the proper
If you own an RV, NW Insurance Council urges you to take a minute
to talk with your agent or insurance company to make sure you
are adequately insured before hitting the road. This simple step
could save you from a summer's worth of headaches and financial
"The point of a vacation is to get away from it all," said Karl
Newman, NW Insurance Council president. "The last thing you want
is the double whammy of having an accident, then finding out
you don't have the right insurance on your RV."
Your RV is more than a car and your insurance should reflect
that. Consider insuring your RV on its own policy rather than
adding it to your auto policy. Usually, RV Insurance will cover
more than what your Auto Insurance covers.
Here are some of the differences that may help you decide if
you need RV Insurance:
- RV Insurance can provide coverage for many items in your RV
that you wouldn't normally keep in your car, such as furnishings,
jewelry, laptops, video recorders and clothing. Auto Insurance
typically only covers items permanenly installed in the vehicle.
- Coverage is available in the event of loss or damage to some
items outside the RV up to 25 percent of the replacement cost.
This coverage is not available through your Auto Insurance policy.
- You may be liable if someone is injured inside your RV or
at your campsite. RV Insurance can provide additional liability
- If your RV is damaged while you're traveling, you'll need
a place to stay and a way to get there. A standard auto policy
may not cover these losses or RV towing, which could cost you
thousands of dollars.
- The high value of many RVs and the potential for extensive
physical damage from an accident may mean you will need additional
- Your RV Insurance may not cover attached accessories, such
as an awning, TV antenna or satellite dish. You may need to
add Accessories Coverage to safeguard items attached to the
outside of your RV.
Contact your auto insurance company or agent to ask about special
RV coverage. If needed, explore coverage with a company or agent
who writes policies specifically designed for RVs.
For more information about insurance visit www.nwinsurance.org
or call (800) 664-4942.
NW Insurance Council is a nonprofit, public-education organization
funded by member insurance companies serving Washington, Oregon