RVs are one of the best ways to combine travel and accommodations. RV ownership allows you the freedom to explore our great country always knowing you have a comfortable place to rest for the night. Sufficient insurance coverage is vital to your long-term enjoyment of RV life. At Luft Insurance Agency serving Escanaba, MI, we can help you find the insurance products you need for your RV. 

Is Auto Insurance Enough?

There is a huge misconception that auto insurance and RV insurance are the same. They are not. Although in some states you can legally operate an RV with an auto insurance policy, it is important for you to understand that an auto policy is very different from an RV policy. 

If you plan to travel extensively in your RV, or if you plan to live in your RV, an auto policy will not be sufficient protection for you and your family. 

What Does RV Insurance Cover?

RV insurance does carry a lot of the same coverage as an auto policy, but there are also some important differences. In general, an RV policy will provide the following coverage.

• Collision coverage- If the RV is in an accident, this type of coverage can help pay for your RV to be repaired or even replaced. 
• Liability coverage- If someone is injured in your RV or in an accident caused by your RV, you could be held liable for their medical bills and even for legal fees. Liability coverage will help pay for these expenses. 
• Property damage- This type of coverage is not usually found on a regular auto policy. If you are traveling or living in your RV, you will have personal property along with you. If this personal property is damaged or lost due to fire, natural disaster, accident, or burglary, the insurance policy will reimburse you for the value of your items. 

If you would like to learn more about our services, please contact us at Luft Insurance Agency, serving Escanaba, MI.