All of the company’s agents are provided with ongoing education and training in order to stay up to date with the latest developments in the RV insurance industry. The volume of positive feedback on the Better Business Bureau and other third-party review aggregators attests to the satisfaction that most clients have with the company's service. Many clients express contentment with the company's quick and attentive customer service, in particular.
So now that we understand the difference between auto and RV coverage, let’s take a look at the specifics of what you get under an RV policy. Essentially, RV insurance acts as a hybrid between car and home insurance, offering additional protection for home and living essentials through specialized coverage plans. Depending on the policy you choose, it may include:
Many baby boomers are doing the same: spending their retirement visiting national parks, historic landmarks, and exploring the country. Empty nesters and the 55+ crowd find that RV living offers both freedom and a strong sense of community. Contrary to the popular belief that RVers are constantly on the move, RV and manufactured home parks also serve as seasonal homes, with plenty of things to do to keep an active lifestyle.
Do you live in your RV full-time, or does it sit in storage for most of the year? Do you have any permanent attachments like a satellite dish? Every company offers basic RV coverage, but the right provider for you also offers the set of add-ons that speaks to your main concerns, whether it’s full-time residency insurance or roadside assistance. Our top picks all have plenty of add-ons in addition to basic coverage.
According to Greg Gerber, “Most car insurance firms don’t have a clue of what can go wrong with an RV and don’t provide the coverage to get it fixed adequately,” which is why he advises consumers to get a separate policy for their RVs instead of bundling, to “avoid the hassle that can come if the RV itself is broken and they’re trying to get their car insurance company to fix it.” 
Collision coverage is very important for protecting your vehicle against the financial loss that comes with physical damage to your vehicle. It's not hard to get into an accident. When an accident happens, someone is always at fault, and that could be you. Collision insurance will cover damage from a collision with another vehicle, tree, pole, guardrail and most other possible roadway hazards.
RV insurance isn’t the same thing as auto insurance, though many providers give you the option to bundle the two. But RVs have specialized concerns. To start, they can carry many more people than cars, and they cost more to repair. In addition to basic coverage, RV insurance can also offer more extensive protection, with coverage for personal belongings, emergency expenses for lodging, and higher damage rates.
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Tech-savvy consumers have probably heard of or have been inspired by the “digital nomad” lifestyle, where people have been ditching their office cubicles to work remotely. Social media strategists, photographers, and web designers can all work from the comfort of home, as long as there’s a stable internet connection. Hit TV shows such as HGTV’s Tiny House Hunters and Travel Channel’s Going RV are shining a light on younger couples and families that save money by downsizing to a motorhome for a non-traditional life on the road.
Full-time RVers can enjoy coverage similar to that of homeowners insurance through the Good Sam Insurance Agency’s specialized protection plan for full timers or first-time weekend RVers. Full-Time Insurance goes above and beyond what traditional Auto Insurance policies can protect because it covers a number of other incidents and situations that regular RV insurance does not.
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