Small, attached campers are a great way to tow your belongings to your favorite campsite. These affordable campers work well for small families or individuals who don’t want a full-size rig. It’s important to understand how your auto insurance actually works before hitting the road in Amsterdam, NY, though.

Attached Campers

Your auto policy usually extends to your camper when it’s attached to your vehicle, which can help cover liability claims that occur while you’re on the road. That said, comprehensive coverage doesn’t always extend to attached campers in the same way. Ask an agent at Kinowski Agency Inc. exactly what your policy covers.

Detached Campers

While your auto policy may provide some coverage on the road, it generally doesn’t cover your camper once it’s detached. That means if it’s parked at a campsite and unhooked from the hitch, you likely don’t have coverage through your auto policy. This is exactly where dedicated RV insurance tends to outshine standard auto coverage.

Personal Belongings

Most auto policies provide little to no coverage for unattached personal belongings, such as clothing, electronics, and kitchenware. Often, this coverage isn’t enough to replace everything stored in a camper, even a small one. That’s why most owners choose to add RV-specific coverage before hitting the road.

Legal Requirements

State laws generally don’t mandate a dedicated RV policy over standard auto coverage. Owners who fully own their camper can choose whichever policy feels right for their situation. Those financing or leasing a camper, however, may be required to carry comprehensive coverage to satisfy lender requirements. If you have a loan on your camper, speak with your lender to make sure you understand their specific insurance requirements.

Agents at Kinowski Agency Inc. will listen to your situation and help you choose the right policy. Contact us today. We’re currently serving the Amsterdam, NY, area.

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