We all know that most states require specific types of auto insurance, but there are some things that not everyone realizes when it comes to coverage. There are only so many things that auto insurance covers. Because of this, other types of insurance exist for other types of vehicles, such as trucks, classic cars, and recreational vehicles. Today, we are here to talk about how recreational vehicle or RV insurance differs from auto insurance.

How are they similar?

Before we dive into the differences, let’s first look at how both types of insurance are similar. They both have liability insurance. Liability insurance is included in the majority of types of insurance. Depending on the type of insurance you need, there are some differences in what it covers and how much coverage you have. Both have comprehensive and collision coverage. Again, there are differences in the amount of coverage between RV and auto insurance.

How are they different?

Now that we have discussed how auto and RV insurance are similar, we will discuss their differences. RV insurance typically has higher liability thresholds than auto insurance due to the extra costs and responsibility of owning an RV. Since they are more significant than the standard vehicles that drive on the road, they can cause more damage to other cars or property. Another difference is that RV coverage can be suspended or paused during the off-season when the RV is just sitting there in storage.

Contact us

For more information about RV insurance policies, you can stop by or contact us at M8 Insurance in Salt Lake City, UT.