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Neither recreational vehicles nor off-road vehicles are insured under normal car insurance. Not all auto insurance companies will offer policies that include recreational vehicles or off-road vehicles. There are specific companies that sell insurance for either, so shopping around for quotes may be necessary to find the ideal policy for you.

RVs are practically mobile homes; however, they are neither covered by typical auto insurance nor homeowner's insurance. There are specific companies that sell RV policies. Many auto insurance companies will also carry a RV policy line that can be merged into your existing policy for a discount. Fulltime RV coverage usually includes: Property damage, personal liability coverage, and limited medical payments for certain accidents.

The property damage coverage will generally include the RV itself, its parts, as well as any equipment that is permanently attached to the RV. Examples include fuel tanks, motors, horns, lights, or two way radios.

Comprehensive personal liability coverage is a must because the space within an RV is considered private property. Any injury that occurs to yourself or a guest inside an RV falls under personal liability. Proper full time RV insurance guards you against such scenarios. Be sure there are no holes in the coverage. Ask detailed questions using examples if you must.

Insurance policies for ORVs differ between off-road only vehicles, and modified street legal cars that have off-road capabilities. A modified street legal car loses normal auto coverage if it leaves unpaved roads. On the other side, you may have to prove that your off-road only car will never run on pavement.

There are insurance providers that specifically deal with ORVs, or you can go through your normal auto insurer and see if they will extend your coverage to include ORVs.

ORV policies come standard with: Increased liability coverage limits, non-collision accidents coverage, towed trailer or sled property coverage, additional property coverage for safety gear, such as goggles or helmets, and replacement/repair of aftermarket parts.

Not all risks will be covered. Your policy will protect against a specific set of damaging possibilities. Collision, fire, windstorm, theft, lightning, and vandalism are among the most common covered perils.

Both RVs and ORVs may be reimbursed in different ways by insurance companies should damage occur to the vehicle. There are three values: Market value, actual cash value, and replacement cost value. Each of these can be significantly different and you should ask your insurance provider to state clearly in writing how they will compensate you in the event you need to replace your RV or ORV. Keep in mind that a vehicle you bought for $20,000 might actually cost $30,000 to replace.

If your coverage is insufficient to cover all repair costs, then the company is not obligated to pay for a full repair. Your premiums will reflect how much coverage you are looking for.

Often you can get discounts on RV and ORV insurance by taking safe operations training courses. You also get discounts for safety equipment that can be installed as part of the vehicle.

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