Do You Need Both RV Insurance and Home Insurance?

Investing in an RV is a big decision, whether you plan to live in it long-term or make it the ultimate vacation vehicle. Before you get settled or hit the road though, it’s crucial that you take measures to protect your RV properly. But what kind of insurance coverage does your RV actually need? For example, do you need separate RV protection if you already have homeowners insurance?

At Johnsen Insurance in Baraboo, WI, we’re here to help answer all of your questions!

What is RV Insurance?

RV insurance is just what it sounds like — insurance protection for your recreational vehicle. Like auto insurance, RV insurance is required in Wisconsin if it is a motorized vehicle. That means that if you are driving your RV at all, you need to carry minimum liability coverage in case of an accident. If you have a camper or trailer that you are towing, however, RV insurance is not required as long as your auto insurance on the towing vehicle is valid.

It’s also worth out that you may require insurance by certain campgrounds or trailer parks. If you are leasing or renting your RV short-term, you may also be required to carry insurance coverage for the duration of your time with it.

Why You May Also Want Home Insurance with Your RV

RV insurance functions very similarly to auto insurance, which means it covers the vehicle itself rather than all of your possessions within. Therefore, you may also want to add home insurance to your RV for extra protection. This can be a particularly shrewd decision if you are living in your RV for an extended period of time or simply are bringing a lot of valuables on a long trip.

If you already have a home policy on your other property, you may be able to extend it to cover your RV as well. This will not be possible in every case, so it’s important to discuss your options with an insurance agent.

Learn More About RV Insurance Today

It’s always a good idea to speak with an experienced insurance agent before making any decisions. If you have an RV in the Baraboo, WI area, give our team at Johnsen Insurance a call! We’re ready to help you learn everything you need to know about RV insurance and help you find coverage that works for you.