Reader’s Question:
I plan to use my RV as our primary residence here in San Diego, California but I haven’t gotten it insured. Do you think we need a special type of insurance for our RV?
Haven
Cupertino, CA
Recreational Vehicles are actually special vehicles that would require having a special type of insurance. Neither car insurance nor a home insurance could be able to properly or fully give coverage for the RV and the owners of the RV. You would have to do some thorough research to be able to find the necessary insurance for your needs on your RV. If you are lucky, you do not need to have insurance for your RV. But if you need insurance, you would be lucky to have it.
Since you plan to use the RV as your primary residence in Cupertino, California, you may want to get insurance coverage that will allow full replacement if an accident happens. You could never foresee an event where such insurance coverage is needed but when you need it, you’d be very much grateful to have it. Cardboard boxes do not make much of a home these days. Consider having an insurance coverage when your RV is parked at a campsite so that you could have protection against theft or injuries.
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