As the owner of a recreational vehicle you know that it is not a standard vehicle; therefore a standard auto insurance policy is not enough to adequately protect your RV. It is important to ask the right questions about your policy to be properly insured.

What are the use limitations in my RV insurance policy?

This is a critical question to ask, because if you go outside your limits, you may find yourself without coverage. Some plans may only cover a certain amount of days, typically 150 days on the road, for RV use while providing all year coverage for mobile home use. You will want to speak with your Safechoice Insurance Agency representative and make sure your policy will cover you for your usage.

What type of add-on coverage does my policy provide?

Because you and your RV can find yourself in various situations, there are many practical add-on coverages available in the marketplace. If you do not want to find yourself stranded, one of the most popular add-ons is 24-hour roadside assistance. This coverage will give you the comfort of knowing your vacation will not be cut short.

Does my policy cover my personal property in the RV?

Unlike a standard auto policy, you can purchase coverage for your personal property through your RV insurance policy. You will want to come up with a list of inventory to provide to your insurance agent. You may also want to discuss covering custom features that you have added to the RV. If you purchase new equipment for your next trip outside Rochester, MN, make sure to update your policy, so it is covered.

If you have additional questions about RV insurance, reach out to an agent at Safechoice Insurance Agency, we proudly serve the Rochester, MN area.