THURSDAY, MAY 19, 2011
Summertime is nearly here and if you own a Recreational Vehicle or RV, you probably can't wait to hit the road. With so much invested in your home on wheels you want to ensure it's protected should something unexpected happen. Special insurance coverage for owners of vehicles like travel trailers, motorhomes, fifth wheels, and truck campers offer RV specific protection that you can't get with "ordinary" auto insurance. Having the right RV policy will allow you to relax and enjoy your adventures rather than worrying about repairs or finances.
 Why you need RV insurance in addition to your auto insurance policy:
* State Requirements - In most states, it's against the law to operate a recreational vehicle without some form of insurance. Most states also require drivers have at least a minimum of RV insurance.
* Roadside Assistance - While a lot of car insurance policies offer roadside assistance, many may not include coverage for your RV. Even if your policy covers some roadside expenses, it may not cover them all. For example, it may pay for towing only up to the amount it costs to tow a car. RV tows can cost three times more. That means out-of-pocket expenses you're responsible for paying.
* Financial Protection - If you're involved in an accident RV insurance can protect you from a major financial setback. Plus insurers who offer RV coverage often have specially trained claims representatives who know how to look for damage and write estimates specific to RVs.
* Personal Property Protection - Because RVs are often lived in for extended periods of time, you may keep things inside that you wouldn't keep in your car such as camcorders, laptops, and jewelry. This makes them vulnerable to theft or damage and wouldn't be covered by your car insurance policy.
* Protect Your Investment - That RV didn't come cheap, when insuring your RV make sure to ask for FUll Replacement Cost Coverage. This helps guarantee payment in full when the vehicle is irreparable, rather than reimbursement based on current market value.
Additional reasons to consider RV insurance:
- Parts specific to RVs, like awnings, stairs, slideouts, and appliances are also covered.
- When the RV is in the shop due to accident and the owner is out on the road, the insurer may cover lodging and transportation expense.
- If someone gets hurt near the RV and decides to sue the vehicle's owner, recreational vehicle coverage also pays for legal representation.
No RV owner should hit the road without specialized recreational vehicle insurance and we can help you get the right amount of coverage to fit your needs. If you have questions, feel free to contact one of our agents or get an online RV insurance quote right now.
By Matt Reynolds - Google+
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