Recreational vehicles are large vehicles that are driven for traveling or camping. Most Bethlehem, PA RVs and campers offer living space and basic amenities such as seating areas, sleeping areas, a kitchen, bathroom, and sometimes a shower. While they are usually used for traveling, some people live in or tour full-time in them. Since your RV is a motor vehicle similar to an automobile, you may be wondering what the difference is between insurance coverage for an RV and an auto insurance policy. Here’s the basic difference between your Saucon Insurance Agency RV insurance policy and your automobile policy. 

What’s the Difference Between Automobile Insurance and RV Insurance? 

Because your automobile and your recreational vehicle are both motor-driven vehicles, most insurance companies have no problem with issuing either a policy. Problems will occur, though, if you try to push your RV coverage into your auto policy – it can create gaps in your insurance coverage.

Having a specialized policy for your RV will help you fill in any coverage gaps in your protection, such as total loss replacement vs agreed value, emergency expenses you may incur while camping in Bethlehem, PA, full-timer liability, tow-truck coverage, and campsite liability. For example, if your RV is in a collision while driving, your RV insurance may cover the cost of housing and meals while getting repairs on the road, and travel costs to get back home, which your auto policy won’t cover.  Another difference between your RV policy and your automobile policy is that RV insurance coverage can be suspended if you place your RV is in storage, as there is likely to be an issue with having a collision – a cost-saving measure that makes financial sense for some RV owners. 

For more information about how RV insurance keeps your investment safe from financial risks in the event of loss due to an accident or theft, give the Saucon Insurance Agency a call today!