Auto Insurance
What is an Insurance Declarations Page?
A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
RV Insurance 101
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RV Insurance helps insure your “home away from home” while you are out camping or traveling across the country. It helps cover your liability exposure, plus physical damage to your RV and its contents.
RV Insurance is a policy you can get to help insure your home away from home while you are out camping or traveling across the country to surprise your kids by showing up with no prior notice. This will help cover your liability exposure, and physical damage to your RV and contents that may be stored in the vehicle.
If you own an RV you know how much fun it can be to ride around the country exploring new states and national parks while also having the comfort of home to come back to every night. What you might not have thought about is that an RV needs to have specialized insurance to remain properly covered on the road. RV Insurance is very similar to an auto insurance policy; it just covers a very specific type of vehicle and can also offer a few extra optional coverages that you might not see on a standard auto policy.
Let’s go over the common coverages and how they might differ from your normal auto insurance policy:
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A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
One of the big differences between a standard auto policy and an RV policy is that RV policies offer coverage for personal belongings stored in the RV. Now all your camping essentials and everything you need to enjoy your RV are also covered at replacement cost so you can get the full value to replace the item up to your policy limit without having to buy a used version from a second hand store.
Example: You are doing a cross-country road trip with your family and you have brought some personal items to keep the kids happy during the trip; iPad, Laptop, Bikes, Scooters, etc. During your trip someone breaks into the RV while you are at a restaurant and steals the iPad, Laptop and other small items from the RV.
RV Insurance also has it’s own equivalent of Roadside Assistance called Trip Interruption. You can think of this coverage as a beefed up version of the standard Roadside Assistance. On top of helping to get your vehicle towed if disabled, or sending someone out to help change the spare tire it can also provide food and lodging funds if you are unable to use your RV and have to pay for additional meals and hotel stays due to the vehicle being disabled.
For example; you and your family are again doing a cross-country road trip and your RV suffers damage due to a small fire that broke out in the kitchen area of the RV. Because of the damage you are unable to stay in the RV while it is being repaired and have to stay in a hotel for a couple of days while the RV is made livable again.
There can be some confusion when discussing coverage for RV’s since there are several different types of insurance policies out there that sound like they might cover the same; if not similar items. When we talk about the differences between RV, Trailer, and Mobile Home policies they can vary vastly depending on the policy coverages.
The main difference between an RV and trailer policy comes down to how the vehicle is being moved. If the vehicle is self propelled and able to drive itself it would fall under the RV policy. If the vehicle is only able to be towed it would fall under the Trailer policy. Both RV and trailer policies act very similar to auto policies and offer many of the same optional coverages we spoke about above. One major difference in them coverage wise is that the trailer policy will not offer liability coverage since the liability for the trailer will be extended by whatever vehicle is towing the trailer. The RV will have it’s own liability coverage included on the policy since it drives itself.
Example: If you are driving a motor home that includes living space in the vehicle while it is being driven you would want an RV insurance policy. If you are pulling a pop up camper behind your Truck/SUV to a location to stay in while you are camping you would want to either include the trailer on your Auto Insurance policy, or get an insurance policy for just the trailer.
RV vs. Mobile Home Policy: These two policies are vastly different; the RV is very similar to an auto policy in the types of coverages offered and the way payouts are done. The mobile home policy will act as a standard home or dwelling policy depending on the occupancy. This coverage means that it will have the same types of coverages as a standard homeowners or rental home policy; (Coverage for the building, contents, medical payments, etc.)
For example:
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Summer is here, and while it's the season for road trips and beach outings, it's also a time when certain misconceptions about driving can lead to unnecessary risks. To help you stay safe and informed, we've collaborated with insurance experts to debunk five common myths about summer driving. Myth 1: Cars Don't Overheat in Summer Anymore.