Entries by Tosten

What is An Insurable RV?

In 13 years of providing RV insurance we’ve gained a bit of experience. By experience I mean we get asked to insure all types of things. So much so that it necessitates a few definitions. Since we are talking about RV insurance, let’s start with defining what an RV or Recreational Vehicle is. A Recreational […]

Understanding Perils Insurance

Perils insurance against, what in the world does that mean. Here’s an insurance guy trying to explain the insurance options for rental property insurance. Rental Property Insurance Coverage – Section I policy Form – Perils insured against. Demystifying the stuff coming out of your insurance agent’s mouth Perils insured against…. What does that mean? Let’s […]

Homeowner’s Liability Coverage

In general terms the liability portion of your homeowner’s policy makes two promises: 1. It pays for the damage you cause to other people’s property and for the injuries you may cause to others. For example, in the case of an auto policy, if you crash into someone else’s car the liability portion of your […]

Travel Trailers and Fifth Wheels – What We Can Insure

When we look at what can be broadly classified as “towable” or non-motorized units there are all sorts of variety and nuances can that can be introduced. The long and short of it is that we do provide travel trailer insurance for all sorts units including conventional travel trailers, fifth wheels, toy haulers, and more. In most […]

RV Insurance Loss Settlement Options

When it comes to your RV, auto insurance isn’t good enough. You need specialty RV insurance coverage, and one of the most important things you get with a specialty policy is unique RV Loss Settlement Options. Below is a brief explanation of each of the options. Actual Cash Value – This is the auto insurance option […]

Specialty RV Insurance Coverage

RV insurance specialty coverage is important, because le’s face it, an RV is a hybrid. It rolls down the highway, only to be parked and be a temporary home. From an insurance stand point this means we need to cover you not only while its being driven or in tow, but also when its parked. […]

Rental Home Insurance Deductibles

One of the most common insurance issues is what the deductible should be. While only you can decide, here are a couple of thoughts that might help you. Deductibles When it comes to deductibles there are a few of questions you should ask yourself. How much cash do I usually have on hand? How much […]

Ways to Save With Your Deductible

I recently went to go see “The Greatest Showman,” as one who is often found singing or whistling show tunes, I loved it. But the sound track is probably better than the Movie. A great mix of music with strong beats and base lines and violins coupled with distorted guitar, and great melodies. Followed by […]

Umbrella Liability Insurance for Landlords

Do you have enough liability insurance? Probably not. But how much is enough? Unfortunately that question varies. First, what does liability insurance do? Liability insurance does two things: (1.) it pays for losses for which you become legally liable for as a result of a lawsuit and (2.) it pays to defend you in the […]