When you’re planning your next big road trip, one of the most important things to consider is how to protect your vehicle, and not just any vehicle, but your home on wheels. At Atrium Insurance Group, serving Centennial, CO, we often talk with RV owners who are surprised to learn that RV insurance and auto insurance aren’t quite the same. Understanding the difference can help you make smarter choices about coverage and avoid costly surprises down the road.

Your RV Is More Than Just a Car

Unlike a regular car, an RV doubles as a living space. That means it needs protection for more than just fender benders. RV insurance often includes additional coverage for personal belongings, appliances, and even attached accessories like awnings or satellite dishes. It’s like combining home and auto insurance into one plan, because you’re not just driving, you’re living in it.

Liability Looks a Little Different

Auto insurance covers liability when you’re behind the wheel. But with an RV, liability doesn’t stop when you park. If someone gets injured inside your RV while it’s being used as a temporary home, you’ll want a policy that covers those situations too. This type of coverage is unique to RV insurance and not typically included in auto policies.

Seasonal Use Can Save You Money

Most people don’t drive their RVs year-round. RV insurance can be adjusted for how often you use your vehicle, offering potential savings during off-seasons when it’s in storage. Auto insurance, on the other hand, assumes regular use throughout the year.

Whether you’re a weekend explorer or a full-time traveler, your RV deserves specialized protection. Call Atrium Insurance Group, Centennial, CO, today to learn more about customizing a policy that fits your lifestyle.