If you are planning on purchasing a recreational vehicle, you may wonder if specialized insurance for RV is worth your time and trouble. After all, it seems so convenient to simply add to your current automobile policy. Nevertheless, shop around for RV insurance. Good bargains and excellent coverage are just two of the benefits you’ll find.
Better prices on motorhome insurance
If you are looking for a good price on motorhome insurance, you may think your personal auto insurance company offers the best deals. But all too often, these carriers neglect to cover the very items that make motorhomes unique, such as permanent accessories, hitches, and even the personal belongings you carry inside. What seems like a rock-bottom price is actually a skimpy policy that doesn’t cover your vehicle enough.
Excellent coverage options with RV insurance online
Purchasing your RV insurance online with a specialized agency means you won’t just be getting a good policy for a good price. It also means that you are getting coverage for your entire recreational vehicle lifestyle.
If you are a part-timer and you plan to keep your vehicle in storage most of the time, you can suspend coverage for the months you aren’t driving. If you are a full-timer and actually live in your RV, you can get coverage that is similar to a homeowner’s policy.
Your typical car insurance company simply does not understand all the details of motorhome ownership. A specialized agency does, and will give you the coverage you need at a price you can afford.
What makes a specialized policy of insurance for RV different than buying from your typical auto insurance company? Since specialized carriers understand all the details involved in RV ownership, they recognize and cover problems that regular auto insurance companies overlook, such as:
1.   Coverage for personal belongings
If you use a motor home for any length of time, you know the vehicle becomes your second home. You leave possessions inside, just as you do at home. Some of these may be valuable, such as jewelry. Others may have sentimental value, like photographs.
Typical car insurance companies don’t cover any of the possessions you leave in your vehicle, no matter what the value. On the other hand, a specialized company will cover the replacement value of items left inside your motor home.
2.   Full replacement cost coverage
If something terrible happens and you total your recreational vehicle, or if it is stolen, car insurance companies will only reimburse you for its depreciated value. This means that during the first few years of ownership, if something bad happens, you lose money on your investment.
However, specialized agencies recognize that you have invested a huge amount of money and time in your RV. If it needs replacement during the first few years of ownership, they will give you the full replacement value.
These are just two of the crucial differences between car insurance and a recreational vehicle insurance policy. If you have a motor home, then buy motor homes insurance. By insuring your investment with a specialized agency, you will save a lot of frustration and money in the long run.
Your RVs insurance, if purchased from a specialized agency, can be used to save money and protect your investment while it’s being stored. If you plan on being a part-time RV-er, then you know you will have long stretches of time in which your motorhome is not being used.
Use your policy to your best advantage with these options:
Suspend coverage during storage
If you plan on storing your vehicle for a long period of time, such as during the summer months, then you can suspend coverage while it’s in storage. This means that the coverage you use for driving will be postponed, an option that can save you hundreds when you aren’t using the vehicle anyway.
Make sure you have “critter coverage”
No matter where you store your vehicle, when it’s not being used it becomes a target for mice, squirrels, and other animals. A typical car insurance company will not provide coverage for this common problem. But a specialized agent knows that these creatures can do a lot of damage, especially by chewing on wires and lines. That’s why a specialized policy works for you to secure your best interest–agents who understand all the details of RV ownership know how frustrating these problems can be. Most importantly, they provide a policy that covers the damage.
Full Replacement Cost Coverage
If your vehicle is damaged or stolen during the first 5 years of ownership, even if you only drive it part time, a specialized policy can provide a full cost replacement. Most automobile insurance companies either do not provide this option, or they limit it to a mere year after purchase.
Buying a specialized motorhome insurance policy is the best way you can protect your investment, especially if you only plan to drive your RV part-time.
Let’s say you just invested tens of thousands of dollars in your new recreational vehicle. Does your RVs insurance really matter? The answer is, if you want to protect your investment, then yes. Why would you spend thousands on purchasing the ideal vehicle, only to skimp on coverage? Here are two ways that having the right policy can literally save you hundreds of dollars:
For full-time RV-ers, a specialized policy covers all your assets
If your retirement dream means living on the road full-time, you will want a policy that reflects this decision. Your typical auto insurance company will not offer motorhome insurance that also functions as a homeowner’s policy. They also do not typically cover your personal belongings inside the vehicle. They don’t offer any kind of living expenses such as hotel or rental car if your vehicle is damaged and needs repair. These options will give you peace of mind and save hundreds of dollars in future.
For part-time RV-ers, options that save time and money
If you are planning to only use your RV part-time, you’ll need a policy with lots of options. You’ll want to be able to suspend coverage when the vehicle is in storage. No matter where you store your vehicle, you run the risk of animal infestation–mice, squirrels, or other animals can make your RV their home when not in use. Most automobile insurance agencies don’t provide “critter coverage.” These options make sure you are protecting your investment and saving money even when you aren’t using your vehicle.
Whether you plan to drive your vehicle full or part-time, finding the right recreational vehicle insurance is essential to protecting your investment. Getting a specialized policy will also save you hundreds in the long run!
If you are trying to lock in the best rate for your vehicle, you can use RV insurance quotes to your advantage. It’s best to begin with an accurate assessment of your vehicle:
how often you plan to drive,
where it will be stored,
its make, model, and year.
Once you have this information in hand, use it to get your online quotes.
Use your quotes as a way to comparison shop
Once you have the information about your vehicle, begin the process of finding an agent who can give you a quote. The simplest way is to fill out a quote form online. This will relay all your relevant information to an agent, who can draw up a quote within a few hours. Once you have a quote, you can comparison shop with other agencies, or even simply try different policy levels with the same agent to get the best deal.
Get a great deal but also get the best coverage
Once you have a quote, you should be looking at more than the bottom line. Besides saving money, try to find the policy that offers the best protection for your needs. If you are going to be a full-time RV-er, for example, you will need a policy that also functions as a homeowner policy. In some cases, it pays to buy a more expensive policy if it provides better coverage for your needs.
Use RV insurance quotes to lock in a great rate and to find a policy that really covers your vehicle bumper-to-bumper as well as inside and out. The first-time owner as well as the seasoned road hog should use policies quotes as a resource for securing the best deal.