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. It also means that we need to insure all the cool things that make it livable.

Replacement Cost Personal Effects – Unlike an Auto policy an RV policy can provide coverage for your personal effects. This is an example of how an RV policy can kind of be like a home insurance policy. A traditional Auto policy isn’t going to cover you for personal property, rather, it tells you go get that coverage from your Homeowners policy. But in your RV you may have things to cook, clean, sleep, and live. Personal Effects coverage can cover all these things up to the limit on your policy in the event that then are damaged, destroyed, or stolen.

Attached Accessories – Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

RV Road Service Insurance & Unlimited Towing  Provides sign-and-drive coverage 24 hours a day, 365 days a year. Includes battery jump starts, fuel delivery, flat tire change, lockout service, and winching and towing for mechanical or electrical breakdown. The amount you choose is the limit of coverage (the maximum payment from the insurance company).

Emergency Expense Coverage  Reimburses you for expenses incurred following an accident or other covered loss. Pays for hotels and transportation if your coach is incapacitated. Choose the dollar amount for maximum reimbursement.

Vacation Liability – So you have just finished, setting up your rig in a camp site, you have just put out your chairs so that you can sit and relax under the awning, when a neighbor, comes over, trips, falls, and breaks an arm. Where are you going to get covered? Vacation Liability. Vacation Liability covers losses resulting in injury, death, or property damage that includes in your motor home or travel trailer, or on your campsite.

Full-Timer RV Coverage – Are you living in your RV full-time. If you are you will want to purchase Full-Timer liability. This works like the personal  liability coverage that is provided by a homeowners policy. Whereas the vacation liability works like premise liability, the Full-Timer Liability is much broader. Some companies will cover medical payments, loss assessment, and even contents in a storage unit. Full-Timer Coverage is designed for those that use their motor home or travel trailer for six or more months out of the year.

Mexico Physical Damage – If you are headed to Mexico, we can cover your RV for collision and other-than-collision while in Mexico.

RV Specific Loss Settlements – From total loss replacement, to purchase price guarantee, to agreed value we have RV specific loss settlements that will protect your RV in the best way possible.

Diminishing Deductible – For every loss free year you have, your deductible decreases. At within several years (depends on the carrier) you can have a situation that you would not have a deductible in the event of a loss.

Mexico Coverage  Covers your recreational vehicle for comprehensive and collision while you travel in Mexico, provided you maintain Mexico liability insurance during your entire trip.

Don’t settle for an Auto insurance policy, get the RV insurance specialty coverage you need! Request a quote through or website or call us today.

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.

  1. How much cash do I usually have on hand?
  2. How much am I willing to pay out of pocket?
  3. What deposit amount do I receive from my tenants?
  4. What kind of discount am I looking for off my insurance premiums?

Each of these is pertinent to the deductible question. The first two are very much related. If you are able to keep cash available for business emergencies, and are willing to spend it, perhaps opt for a little higher deductible.

Now, for the deposit question. I wrote an article for a Magazine once that was entitled. Smoke, Fires, Lawsuits – OH MY! In it, I described a fire that happened just around the corner from my house. The tenant was a friend of mine. Long story short, as the family moved out after this devastating situation the landlord came and asked for the next month’s rent. It seemed like kind of a weird thing to do, in my opinion. She was clearly facing a major loss. But, if she had insurance, her property would have been covered for the loss caused by the fire. Her rents would have been protected by loss of use/rents, but she would have been on the hook for the deductible. Now, consider if her tenant’s deposit amount had been the same has her deductible, she would have had no out of pocket costs. ASSUMING SHE HAD VALUED THE HOUSE PROPERLY. But consider the concept of making the deposit match the deductible. In the event of a total loss, it could save your bacon (clearly, this assumes that if someone burns down your rental property, you’re not giving them the deposit back… I think that’s fair).

Finally the discount question: Deductibles are simple. The higher the deductible means you take more risk, and the lower the premiums. The lower the deductible means the less risk you take, and the higher the premiums. However, there is a reason I tackled this question last. This should be the determining factor. A $5,000 deductible that makes your premiums dirt cheap doesn’t make sense if you don’t have the $5,000 to pay when you have a loss.

While only you can determine what deductible is best for you, hopefully this is some good food for thought.

To get an incredible quote these coverage sections start our online quote form. To Talk to a licensed agent about this coverage call us at 1-877-784-6787.

This coverage explanation is for illustration purposes only and is general in nature. Coverage explained here may not apply to your policy, State, company, or situation. For more information about how your policy would respond in the event of a loss, please refer to the terms and conditions and declarations page of your policy.