A couple things to ask your agent if you place it on your auto policy. Are permanent attachments like awnings covered at replacement cost or a depreciated value? Progressive states the claim most often turned in on RV's are for damage to awnings. Are person property items within the RV covered under the auto policy or the home policy? If you have a loss that damages the RV and personal property inside do you have to turn in a claim on the auto policy and the home policy and have two deductibles to pay? What happens if the RV is parked at the RV park and someone trips and falls getting out of it and is injured? Is this covered by auto or home? How many home claims until my home policy gets cancelled?
