Sleeping in your car in Flatwoods, KY, can create a few insurance gaps worth knowing about. Follow your state’s laws and make sure you carry at least liability coverage. It’s also important to protect your belongings in case something happens. The question is: what type of policy actually covers that?
Coverage Gaps
An auto policy covers you in an accident, but it generally only covers your vehicle. Some policies may also help with medical bills if injuries occur. What auto insurance typically doesn’t cover is the kind of protection motorhome insurance offers, such as personal belongings. Standard policies usually provide little to no coverage for unattached items inside the vehicle.
Can You Get Motorhome Coverage?
Unfortunately, a standard car usually doesn’t qualify for motorhome insurance. Vehicles typically need to meet specific requirements to qualify, such as having a built-in sleeping area or water system. Insurers usually require proof that the vehicle includes these features, often through photos, along with documentation showing it’s classified as a different vehicle type before approving a motorhome policy. An agent at Roark Insurance Agency can help you learn more.
What Are Your Options?
It’s still important to make sure your belongings are protected if you’re living in your car. Some renters’ insurance policies cover belongings "off premises," which can include items kept in your vehicle. You may also be able to add a rider to your auto policy to increase coverage for personal belongings. In most cases, you’ll need an approximate value for your items before adding this type of rider.
Agents at Roark Insurance Agency will work with you to find the coverage you need. Contact us today to learn about your options. We’re currently serving the Flatwoods, KY, area.
