Recreational Vehicle Insurance

A common practice for RV owners is to insure their RV under their current auto policy. But too often they may not take the time to read what and how much is covered under their auto policy. In many instances, RVs covered under auto policies are not adequately covered.

One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but coverage on personal property is limited when the property is kept somewhere other than the "residence premises." Often the limit in a standard policy is very low and the usual policy deduction would apply.

To insure proper and adequate coverage, you should add a separate RV coverage to your current auto policy or secure a policy specifically for RVs. If your insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out that your RV and its contents are not covered after a loss occurs.

Northern can help you with coverage on the following recreational vehicles:

• Boats
• ATVs
• Jet Skis
• Snowmobiles
• Motor Homes
• Motorcycles

Contact Melissa for more information. Just click on the link to the right -- she'll be happy to answer any questions you may have!

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