Month: January 2025

Owning an RV and a regular automobile offers two very different experiences. While your car may get you from point A to point B, your RV can take you on adventures or even serve as a home on wheels. But when it comes to protecting these vehicles, is there really a difference between RV insurance and regular auto insurance in Lansing, IA? Let’s break down the distinctions between these policies.

Similarities Between RV and Auto Insurance

When comparing RV and regular auto insurance, it’s important to understand the similarities between the two policies. Both insurances include basic liability, collision, and comprehensive coverage to protect against accidents, property damage, and non-collision incidents, such as natural disasters and theft.

In addition, both RVs and regular vehicles must meet state-mandated minimum insurance requirements for road use. This helps ensure that drivers are financially responsible in the event of an accident.

Key Differences in Coverage

The biggest difference between an RV and a regular vehicle is that RVs often double as living spaces, meaning they may require additional coverage. RV insurance often includes expanded liability coverage to protect against incidents that occur while the RV is parked at campgrounds or used as temporary housing.

In addition, RV insurance offers coverage to protect personal belongings stored in the RV, such as kitchenware, furniture, and electronics. This means that RV owners are adequately protected for both living and travel scenarios.

Contact Kerndt Brothers Insurance Agency

While RV insurance is similar to regular auto insurance, it provides coverage tailored to RV owners’ unique needs. Serving Lansing, IA, and the surrounding areas, Kerndt Brothers Insurance Agency offers comprehensive insurance solutions for those who need personalized auto coverage. Call today to get started.