Clearing Up 5 Misconceptions About RV Insurance

If you are going to update your RV insurance, make sure that you understand what it offers. Depending on your insurance company's features, the protection you can give yourself and your RV may be limited.

However, certain misconceptions can lead you away from the real protection you should receive. Here are some misconceptions you need to know about RV insurance and how you can circumvent them with the truth.

1. You Don't Need RV Insurance Because You Have Auto or Home Insurance.
   First, you have to be aware of what RV insurance does cover. RV insurance typically covers everything inside your trailer.
   
   So if you think that your auto insurance policy can give you the same coverage at a lower price, you are mistaken. Your auto insurance coverage may cover the car and machinery itself. However, it does not take care of the motor home features that your vehicle may have. 
   
   It would be best for you to get an exclusive RV insurance policy. In addition to this, home insurance policies only cover RVs as long as they are in the backyard. Once they leave, they will not be covered.
   
   
2. Renters Insurance Will Cover Me as the Vehicle Loaner
   If you are working with a rented RV, read the contract's fine print. The owner's insurance policy may have limits in terms of coverage for renters. So you have to be extremely careful still.
   
   
3. There Are Fewer Options for RV Insurance
   RV owners tend to be content with what insurance companies give them most of the time because they feel that there are limited options for this particular type of policy. 
   
   However, this is not true. You get more options if you do your homework thoroughly.
   
   
4. Bundling My Policy Is Not Necessary
   This is another myth. Don't be afraid to look into what your company offers when bundling. It will extend coverage points for your RV insurance while introducing you to new features that the bundled policies can give.
   
   
5. Reading the Fine Print is not Important
   This is not true. Do not forget to read the fine print regarding your RV insurance policies. Some policies can offer more benefits than others depending on your RV's design and ultimate function, whether for business or pleasure. 

The Closing Statement
You must be able to find everything you can about your policy before working with it. This way, you will be able to make the most out of your existing policy in the future. Seek the truth about what the company has to offer. 

At Best Insurance Group, LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (970) 674-5000. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!