RV Insurance / Liability Umbrella
I have seen by other posts that many people use an RV insurance carrier other than the regular car and home carrier. If you have a personal liability umbrella, how does your carrier handle the RV? ...
Forum Discussion
Texas Two Steppers wrote:
If you are a full-timer and don't own any anything else why carry an umbrella since your only exposure is your rv? I carry $500,000. liability and full-timers thru GMAC with 3 vehicles (car, truck and fifth wheel)for $1,500./yr. I also carry $300,000 liability thru Farm Bureau on some grazing land I own and rent which runs about $110./yr.
I disagree. Your only exposure is not just your RV. If you cause an accident with damages over your liability limits on your RV, they you are personally responsible, which is why an umbrella policy is needed in some cases.
