Most people think of motorhomes and RVs as the same thing. When it comes to traveling in a motorhome, the terms are used interchangeably. However, in the insurance world, there are a few key differences you need to know before you get a policy. 

RV Coverage

RV stands for recreational vehicle. This policy may be suitable for everything from a camper to a four-wheeler. They can be used for pull-behind campers and trailers you use to haul equipment or brush. Coverage may not include personal belongings, satellite dishes, or liability per state requirements. An agent at Wichalonis Insurance Agency can help you learn more about what’s included with these policies. 

Motorhome Coverage

These policies are more like auto policies. They often offer different levels of coverage, such as minimum liability and comprehensive. You’re more likely to have access to add-ons, such as roadside assistance. Some companies tailor these policies to cover personal belongings. Most people who use a motorhome as a temporary or permanent residence opt for these policies because they provide more coverage. 

Which One Is Right For You?

This depends on your situation. You may be able to meet state requirements in Cumming, GA, with an RV policy, which could work if yours is broken down or is parked in the garage most of the time. It’s important to get a more comprehensive policy before you hit the road to make sure you have enough coverage. 

Agents here at Wichalonis Insurance Agency will listen to your situation to help you find a policy that meets your needs. Contact us today to discuss the details. We’re currently serving the Cumming, GA area.