A recreational vehicle is a vehicle and a dwelling at once, and an auto policy is built for only one of those. The parts an auto policy has no concept of are the parts that matter.
An RV needs its own policy. Contents, attached equipment and use as a residence are all outside an auto form.
Three things an auto policy does not contemplate.
An RV in use is accommodation, with contents, appliances and people living in it. Auto policies cover vehicles and the limited personal property rule inside them does not stretch to a household’s possessions. An RV policy addresses the dwelling side as well as the driving side.
Awnings, satellite equipment, generators and solar are commonly damaged and are frequently limited or excluded unless listed. They are also among the most expensive things to repair on a motorhome.
Living in an RV rather than vacationing in one changes the risk substantially, and carriers price and underwrite full-timers separately. Holding a recreational policy while living in the vehicle is a gap that only appears at a claim.
Vehicle and dwelling at once.
They are rated and covered differently.
Awnings, generators and contents all need naming.
It decides whether this is recreational or full-time cover.
Tell us what the RV is, what is attached to it and how many nights a year you are in it.
