What’s The Difference Between Car Insurance and RV Insurance?

What’s The Difference Between Car Insurance and RV Insurance? 

Do you need to get special RV insurance for your motorhome, or will car insurance be enough? Before you head out to enjoy South Carolina’s winding highways, scenic views, glorious beaches and pristine mountains from the luxury of your RV, you want to make sure you’ve got the right insurance. And Edwards Insurance Agency in Taylors, SC is here to help! Here are six ways that RV insurance is different from car insurance. 

RVs and Cars Are Not The Same 

The primary difference between RV insurance and car insurance lies in the classification and usage of the vehicles. RVs are typically larger and more specialized than regular cars, designed for recreational purposes and extended periods of living on the road. Car insurance policies are tailored for vehicles used primarily for commuting and personal transportation. RV insurance takes into account the unique features, size, and usage of RVs, providing coverage specific to their requirements.

Coverage Options

Car insurance policies typically offer coverage for liability (injury or property damage to others), collision (damage to your vehicle in an accident), and comprehensive (non-collision incidents like theft or natural disasters). 

RV insurance policies, on the other hand, provide additional coverage options specifically for motorhomes. These may include coverage for personal belongings inside the RV, which can be considerably helpful in an accident because when you go out on an adventure with your RV, you often carry expensive items like fishing rods, snowboards, skis, hiking equipment, electronics, etc. RV insurance also covers attached accessories like awnings or satellite dishes, and it also provides for emergency expenses and campsite liability.

Full-Time RV-Living Considerations

When you really want to live the good life, living in an RV full-time can be the ticket to adventure and “home sweet home” all rolled into one. Traditional car insurance does not account for extended periods of living in a vehicle, but RV insurance does. Full-time RV insurance policies address the unique needs of those who use their RV as a permanent dwelling, providing coverage for personal property, liability, and even coverage for additional structures such as sheds or decks.

Valuation and Replacement

Car insurance policies typically provide coverage based on the actual cash value of the vehicle. In a total loss, your car insurance would pay you the resale value of your vehicle, not the money left on your car loan – which can be an expensive problem if you still owe a lot of money on your vehicle. 

In contrast, RV insurance may offer options for agreed value or replacement cost coverage. Agreed value coverage ensures that in the event of a total loss, you will receive a predetermined payout based on the agreed-upon value of your RV. Replacement cost coverage, on the other hand, covers the cost of replacing your RV with a similar model if it is deemed a total loss.

Size and Weight Considerations

RV insurance takes into account the size, weight, and specific class of your RV. Different RV classes (Class A, Class B, and Class C) have varying insurance requirements and coverage options. Larger and heavier RVs may require additional coverage due to the potential for more significant damages and liabilities in accidents.

Towing and Trailers 

RV insurance also considers the unique ways RVs are used, such as towing a trailer or using the RV as a temporary residence at a campsite. Car insurance policies generally do not cover damages to trailers or have coverage for extended stays at campsites. RV insurance can provide coverage for these specific scenarios, ensuring comprehensive protection for all the great things that make your RV home. 

Need RV Insurance For Your Motorhome? 

While RV insurance shares similarities with car insurance, there are significant differences due to the nature of recreational vehicles and their usage. Need to find RV insurance for your motorhome that fits your budget and your adventure style? Give Edwards Insurance Agency in Taylors, SC a call today!