Florida law requires all motor vehicles with four or more wheels to have insurance coverage before they can be registered. RV owners often have the option of purchasing a standard auto policy or an RV-specific policy. While many people can choose an auto policy, it is not always the best choice for a motorhome. There are several reasons why an RV policy provides better protection.
Roadside Assistance
Many auto policies offer roadside assistance as an add-on, but the service may not be equipped to handle a motorhome. If your insurance company assumes you are driving a car, they may send providers who cannot safely assist with an RV. RV-specific policies include roadside support designed for larger vehicles.
Personal Belongings
Auto insurance offers limited coverage, if any, for personal belongings. RV insurers understand that motorhomes often serve as a second home or primary living space, which means you are likely traveling with more personal items. RV-specific policies offer higher coverage limits for belongings. Agents at Morgan Insurance Services will help ensure your items are properly protected.
Additional Attachments
RV policies often include coverage for attached accessories, such as awnings, satellite dishes, and other equipment. These items can be expensive to repair or replace, and an RV-specific policy helps ensure they are covered. Motorhome policies offer multiple coverage levels, like auto policies, but are tailored for RV use.
An agent at Morgan Insurance Services can help you find an RV policy that fits your needs. We will discuss how often you use your motorhome and what you use it for to determine the right level of coverage. Contact us today. We proudly serve the Tampa, FL, area.
