Tag: rv

Are car insurance and RV insurance the same? This is a common question our RV insurance team hears from drivers in Bethlehem, NH.

The insurance professionals at The Washwick Agency explain the key differences between car insurance and RV insurance below.

RV Insurance and Car Insurance

If you already have car insurance and purchase a recreational vehicle, you will still need a separate RV insurance policy. Cars and RVs are insured differently because they pose different risks and have different usage patterns.

Some insurance providers may offer bundled options that include both auto and RV coverage, but this is not guaranteed. For that reason, it is important to request an RV insurance quote and review coverage options specific to your vehicle.

RVs typically carry higher values than standard passenger vehicles and may be used for travel, extended stays, or even temporary living. These factors increase the risk of loss, which is why RV insurance is designed separately from standard auto insurance.

Understanding RV Insurance Coverage

RV insurance is tailored to motorhomes and recreational vehicles, with coverage varying by classification, vehicle type, and frequency of use or occupancy. Coverage options may differ for part-time use, seasonal travel, or full-time living.

Class A motorhomes are the largest and often include full living accommodations. Class B motorhomes are smaller van-based vehicles that are easier to maneuver. Class C motorhomes typically feature an over-cab sleeping area and fall between Class A and Class B in size.

Our RV insurance specialists can help customize a policy that aligns with your vehicle, travel habits, and coverage preferences.

The Washwick Agency Is Here to Help

If you need RV insurance and live in the greater Bethlehem, NH area, the team at The Washwick Agency is ready to assist you. Call 603-288-0111 today to learn more about RV insurance coverage and receive a personalized quote.

When you think of a recreational vehicle, you might extend the definition of recreation to anything that isn’t a standard sedan. However, there are rules for RV insurance that you should know about if you live in Bethlehem, NH. The Washwick Agency can tell you more about what you can insure under this policy and when you’ll need to consider additional types of coverage. 

Jet Skis and RV Insurance 

If you’re getting RV insurance, it’s typically for a vehicle that contains living quarters, basically a motorhome or a trailer home. A jet ski would be covered under boat/watercraft insurance. (Under this same principle, not even an ATV would be covered by RV insurance.) While there may be some exceptions in some corners of the world, it’s important to know how insurance companies generally define different assets, so you can get the best coverage. 

How To Find the Right Insurance 

When general terms like recreation do little to tell you about what the insurance sector does, it can help to talk to an expert about what you want to cover and how much coverage you need based on your habits, lifestyle, and general expectations for when certain events occur. Whether you need insurance now or you’re casually shopping for a jet ski or motorhome, the team at The Washwick Agency can help you sort through your questions. 

Here, we know how to extend your coverage so you’re protected from everything, from theft to breakdowns. Contact us to learn more about boat/watercraft insurance and other policies, and how you can structure them so you’re only paying for the terms and conditions you care about. We’re currently serving Bethlehem, NH.