With so many insurance options in the market today, it is almost impossible to navigate through without hearing myths about various insurance policies. A famous victim of these misconceptions is Recreational Vehicle or RV insurance. Many people cannot differentiate between myths and facts about RV insurance.
If you are shopping for RV insurance in Albany, NY, our insurance team at DeNooyer Direct Insurance Services LLC can help you with valid information. We also take further steps to advise you on the best coverages based on your budget, so that you can make an informed decision.
Myth 1: If you rent an RV from a company with RV insurance, you can benefit from it.
You need to understand this and also seek clarification from the company before making assumptions. You should also have your own form of insurance because you may be held liable for injuries or damages that occur while you are using the vehicle.
Myth 2: RV insurance coverage is not necessary if you have auto insurance
This is the myth of the century. Don’t be fooled by the fact that RV insurance is not mandatory in most states. RVs are quite expensive to buy or rent. They, therefore, need more liability than average automobiles. Keep in mind that it is not just the RV that is being covered but also your personal belongings in the RV.
Myth 3: RV insurance covers all the possessions inside the RV
Just like home insurance, RV insurance does not cover all your belongings because there is a limit. That means that they are covered up to a certain amount. Let your company explain this in detail before allowing you to sign your insurance form, as there is a likelihood that you will require extra coverage.
When shopping for RV insurance in Albany, NY, you must have the right information beforehand. DeNooyer Direct Insurance Services LLC can help you find the answers to your questions. Contact us, and we will be glad to help you.