Posts Tagged ‘motorhome insurance’

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.

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Posted in RV Insurance Tips | 2 Comments »

Your RVs Insurance: Save Money on Storage

Sunday, December 27th, 2009

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.

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Why Your RVs Insurance Can Save You Hundreds

Saturday, December 26th, 2009

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!

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Posted in RV Insurance Tips | 3 Comments »

The Top 2 Mistakes RV Insurance Covers

Tuesday, December 22nd, 2009

Whether you’re an experienced driver or a newbie when it comes to road-tripping, RV insurance comes in handy when the unexpected happens. Your insurance policy will cover it all, even when it’s mostly an embarrassing situation. Following are the top two claims that your RV insurance will cover:

Tire Blowouts

Most claims occur because of a tire blowout. Blowouts happen when a tire is overinflated, underinflated, or simply worn out from too much use. To prevent blowouts from occurring, make sure you check your tire pressure before starting a trip, and make sure you check it when the tires are cold (not warmed up from a lot of travel). In addition, make sure you change your tires every 5-7 years, regardless of how often you drive.

Hitting Overhangs and Bridges

Another huge source of recreational vehicle damage comes from misjudging the height of gas station overhangs or bridges. Before making your maiden voyage in your brand new investment, it’s worthwhile to write down the height of your vehicle and post it somewhere handy: your windshield or your dashboard. Make sure that you look over your route and make a note of any bridges that might pose a problem. Most importantly, if it looks too dicey, it’s better to stop and find an alternate gas station or route.

A little preventative action on your part can help keep these problems from arising. But if you do damage your recreational vehicle, rest assured that we will work with you to repair the problem and get you back on the road as soon as possible. When you buy your motor home insurance from us, you are covered bumper to bumper.

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Posted in RV Insurance Tips | 5 Comments »