How does RV insurance differ from auto insurance?

RV insurance is like auto insurance in some ways, but it has several key differences that RV owners should understand. We’ll summarize the similarities and differences here. Still, if you are in the Reno, NV area, we encourage you to contact our Hinman & Associates Insurance team to ensure you have the RV coverage you need.

RV and Auto Insurance Compared

Nevada law requires motorized RVs to carry the same minimum insurance as autos. Those requirements include at least the following:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property liability per accident

Of course, many policyholders prefer to exceed these minimum requirements, and RVs differ from autos, so RV owners commonly buy additional coverage, including:

  • Personal property and attachment: Clothing, appliances, satellite dishes, and other equipment are typically not covered by your auto policy but are vital for your RV.
  • Roadside assistance: The size of many RVs means towing costs often exceed the coverage available from an auto policy.
  • Full-Time RV: Your homeowner’s policy does not cover your liability for injured visitors and other issues if you spend more than 150 nights per year in your RV. A separate full-time RV policy can handle those concerns. 

RVs can provide wonderful times and memories, but they also bring potential liabilities and costs beyond the coverage of any auto policy, so RV owners must understand and consider the advantages of RV insurance.

Working With Hinman & Associates Insurance

Your friendly team at Hinman & Associates Insurance in the Reno, NV area is ready to address your RV or other insurance needs. So, give us a call or stop in today to ensure you and your RV are appropriately covered.