A common practice for RV owners is to insure their RV under their current auto policy. However buyer be ware you need to read your auto policy to ensure that what you want covered is covered. One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but, coverage on personal property is limited when the property is kept somewhere other than the “residence premises.” Often the limit in a standard policy is very low and the usual policy deduction would apply. To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto policy or secure a policy specifically for RV's.