There is a growing trend in motor-homes and campers as people look for a chance to escape the hectic pace of life without leaving all the comforts of home. No matter what type of recreational vehicle you use, you want to make sure it is covered in case of an accident. But first, you should understand how buying insurance for a recreation vehicle compares to shopping for auto insurance in the Montesano, WA, area.
The Similarities
Let’s start with the similarities between the two types of policies. They both have the same major components, including liability, collision, and comprehensive coverage. Both types of insurance are also required to operate a vehicle across the U.S.
Like with auto insurance in Montesano, WA, your RV policy should offer enough coverage to protect your assets and repair your vehicle. You can also add riders for rental vehicles and roadside assistance with both.
The Differences
Since RVs and campers are somewhat different from a standard automobile, their insurance policies also have some unique features. The high cost of repairs and replacement for a motor home means you will probably need to have extensive coverage in place, including the limits for towing fees.
There are also options for part-time coverage that apply if you plan to store your recreational vehicle for a full season. Ask an insurance agent who is familiar with this type of policy if comprehensive-only storage policies are allowed where you live.
On the other hand, if your RV is your primary residence, you will want to ask about a full-timers policy. This has features similar to a homeowner’s policy to cover your personal belongings and displacement.
Learn More About Insurance for Your Recreation Vehicle
While insurance for a recreation vehicle is a lot like an auto insurance policy, there are things that set them apart. That is why it is so important to work with an insurance agent who understands your needs. Contact the friendly and experienced staff at Becky Miller Insurance at www.beckymillerinsurance.com to learn more about securing an RV or auto insurance policy in the Montesano, WA, area.
