Posts Tagged ‘insurance for RV’

Insurance for RV: Is It Worth Shopping Around?

Tuesday, December 29th, 2009

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.

2 Reasons to Buy Specialized Insurance for RV

Monday, December 28th, 2009

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.