Finally, A Good Breakup

If given a choice, a separate policy may be the better way to go. Why? It’s a specialized policy with more optional coverages and amplified language beneficial to owners of travel trailers, motor homes, motorcycles, boats, and snowmobiles. Our toys have become more expensive and a lot more electronically complex. Some retirees sell their permanent structure and head out on the road in a house on wheels. A typical auto insurance policy is not designed to cover things like satellite internet links and a half-million-dollar, well-appointed motor home. Motorcycle insurance policies are subject to slightly different insurance laws, so coverages and policy language should not be confused. For example, I would not want one of my clients to ride thinking they are covered for personal injury protection coverage available on the auto policy.

Discounts Still Apply

The insurer will apply discounts on the other policies you have with them, making it a more economical option. A claim made on a recreational vehicle policy will usually apply only to that policy rather than affect the rate of the supporting policy. That usually translates to lower prices over time.

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