You should never wait until you need to make a claim on your RV insurance only to painfully discover that your car insurance coverage does not include the protection of your RV. To get adequate coverage for your recreational vehicle, you need to get RV insurance in St. Albert. You need to know how to differentiate between the two types of insurance coverage (RV insurance and auto insurance) to avoid getting into trouble.
Car Insurance Versus RV Insurance
Special RV insurance will often feature higher thresholds of liability than your typical auto insurance in St. Albert, which makes sense considering recreational vehicles are sometimes used by some owners as their primary residence. Furthermore, the costs associated with owning and running an RV are higher than the average car.
Since an RV is closely similar to your car, you’ll happily discover that most insurance providers are willing to offer coverage and issue RV insurance in St. Albert. However, problems do arise and when you try to include your RV coverage with your auto insurance in St. Albert, gaps might occur in the coverage. Below we explore the differences between each of the two types of insurance coverage and why you should get the right policy for your vehicle.
RVs are used only on rare occasions when the owner needs to go on vacation. In the event that your RV is just parked in your garage, it is impossible for the vehicle to be involved in any collisions unless someone accidentally collides into your house. Consequently, your insurance provider can suspend the collision coverage for your RV for a while.
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What does RV insurance cover?
While the components of RV insurance in St. Albert are almost similar to those you would find in auto insurance policies, they are not quite the same. Some of the components included in RV insurance include:
- Liability coverage for property damage and bodily injury, which is meant to cover you in the event that you cause or get involved in an auto accident that damages another party’s property.
- Vacation liability, which covers owners against bodily injury and property damage when the RV is parked temporarily at a vacation residence.
- Underinsured/uninsured coverage – similar to the components included in a typical auto policy, as it pays for any kind of damage another party causes to your RV in case he has too little coverage or has no coverage.
- Comprehensive coverage – supposed to cover you against any damages that you cause to your RV. This includes vandalism and theft as well.
- Coverage for medical payments – this helps with all of your medical care, regardless of who caused the accident.
- Roadside assistance – comes in handy when you are faced with a mechanical fault, flat tire, and more.
- Replacement for your personal effects – some comprehensive RV insurance in St. Albert are tailored to cover your personal items as well. Therefore, the provider will compensate for any of the items you normally keep or use in your RV.
From above, you can clearly see how RV insurance in St. Albert and your typical auto insurance in St. Albert differ. If you wish to learn more about the policies, you should talk to your local insurance provider.