RV life can be both fun and liberating. More and more people are discovering the freedom and adventure of living out of their RV full time. In order to make the most of your RV living, however, it is important to have all of your insurance bases covered. At Richards Insurance Agency, serving Lincoln, NE, we know that the only way you can make good insurance choices is to have the best insurance information. Keep reading to find out what you need to know about RV insurance. 

Is a Traditional Auto Policy Good Enough? 

In many states, you can operate an RV with a traditional auto insurance policy. However, the problem is that when you choose to start living in your RV full-time or even part-time, your insurance needs change. The RV is now no longer simply a vehicle, but now it is also operating as your residence. If you are living in your RV, a traditional auto insurance policy is probably not enough. 

What Will RV Insurance Cover?

RV insurance is similar to traditional auto insurance in many ways and different in some important ways. RV insurance can be customized to suit your particular needs, but in general, the policy will cover the following areas:

• Collision/ Comprehensive– This type of coverage will kick in should your RV become damaged or lost through an accident or other circumstance or if your RV is stolen. 
• Liability– This type of coverage will help cover expenses if another person is injured because of your RV.
• Personal property- This is a type of coverage that differs from traditional auto. If you are living in your RV, this type of coverage will protect your personal belongings. 

If you would like to learn more about RV insurance, please contact our Richards Insurance Agency staff, serving Lincoln, NE.