It’s a fair question that most don’t have the answer to. RVs have become houses on wheels, meaning they cost more to insure than compact vehicles. 

As detailed below, cost is not the only difference between car and RV insurance.

The Scoop on RV Insurance

RVs are unique in that they are substitute domiciles. An RV is a quasi-home that you can live and travel in. Therefore, there is more value to cover with an RV in Jacksonville, FL.

RV insurance policies are carefully written to cover the idiosyncratic needs of RV owners. The best RV insurance policies include coverage for items inside the vehicle. Some RV owners have personal valuables, food, whole kitchens, bedrooms and more inside these spacious vehicles.

RV insurance also extends to accidents on the road. Coverage applies to exterior and interior damage. 

Moreover, RV coverage can also extend to associated structures connected to your RV. Examples include decks and sheds.

Auto Insurance Is Limited

The limits of car insurance make auto insurance more affordable than RV insurance. For example, with a car there are no kitchens, bathrooms, or bedrooms to cover.

Rather, automobile coverage tends to be limited to the exterior of the vehicle. Outright theft of the vehicle is also covered, if you have comprehensive insurance.

Coverage Is Necessary

Whether you drive a traditional car or an RV, you need insurance coverage. You can do everything right on the road and still suffer vehicle theft or damage.

When researching RV insurance, consider specialized coverage for campsite liability, towing, emergency expenses, and more.

You can even buy "full-timer" insurance. This is similar to homeowners insurance, covering damage and losses that occur while you’re living in your RV.

Get a Quote From Skyline Insurance LLC

Serving Jacksonville, FL, our insurance is revered for affordability and range of coverage. Call us for a quote.