If you’ve just purchased an RV, you might wonder if you can add it to your auto insurance plan for coverage. Unfortunately, an RV isn’t considered an automobile, so you must purchase a separate insurance policy to cover your new recreational vehicle adequately. Here is an explanation of why you need separate coverage and how much you can expect to pay.
Coverage for Travel Trailers Only
If you have a travel trailer and not an actual RV, your trailer is covered under your regular automobile policy. However, if you have a separate RV that isn’t towed by your vehicle, RV insurance is required by the state of Nebraska. It’s state law, and the fact that auto insurance provides coverage for automobiles, and an RV isn’t an automobile. RV insurance will also provide more complete coverage for your recreational vehicle if you become involved in an accident or the vehicle incurs some damage.
Average Cost of RV Insurance
Several factors will be considered when determining the RV insurance coverage cost. These factors will include the size and length of your RV, its weight, the property you keep in your RV’s living area, and more. You can expect to spend anywhere between a couple of hundred dollars a year to a couple thousand.
As you can see, you must purchase a separate insurance policy when covering your RV. If you’re seeking a new insurance agency and you’re in the Lincoln, NE area, you should contact Brokers Insurance Agency. At Brokers Insurance Agency, we pride ourselves on providing top-notch insurance policies and excellent customer service. Call us today so we can provide you with a quote.