The Different Types of Liability Covered Offered with RV Insurance

RV Insurance quote in Safford, AZThere are several different types of liability insurance coverage found on recreational vehicle insurance policies. Not only does the type of RV have an effect, but also how the recreational vehicle is used can make a difference in which liability coverage is offered.

For Motor home insurance policies, Bodily Injury Liability and Property Damage Liability coverage, like on an auto policy, will apply while the vehicle is in motion. However, these particular liability items will not be included on travel trailer, fifth wheel travel trailer, pop-up camper, or even slide-in camper insurance policies, since all these types of recreational vehicles are considered to be towed units and cannot actually be moved without a separate vehicle to tow them.

Motor home insurance policies will have some coverage available that is commonly included in traditional auto insurance policies. However, they often have some coverage items that one might expect to see included in a homeowners’ policy. This is because Recreational Vehicles are used for two distinct purposes. Some of the time recreational vehicles are used to travel from one point to another and other times they are used as a seasonal vacation residence, or for some, as a primary residence.

For most typical RV owners, those who use their RVs less than 30 days out of the year, Vacation Liability is usually offered with varying limits of coverage. This particular coverage works much like homeowners premise liability coverage does, offering protection should the insured be found responsible for either bodily injury to others and/or property damage to others, while the RV is not in motion and being used as a vacation residence.

Full Timers Liability is available for those RV owners who use their RV more than 150 days out of the year. This can apply to both Stationary Full Timers as well as Full Timers who are traveling. Full Timers Liability works pretty much like Vacation Liability, but will typically offer higher limits of coverage. Full Timers Liability is also a great fit for those people who use their RVs as their primary residence.

When shopping for RV insurance or Travel Trailer insurance, be sure to choose a carrier that specializes in recreational vehicle insurance. Many make the mistake of purchasing auto insurance policies for their recreational vehicles, which can provide the necessary coverage needed to drive the unit, but most often are missing important coverage that are needed while the unit is being used as a residence.

For more information about specialized Motor home insurance and Travel Trailer contact the RV Insurance Professionals at Gila Insurance Group LLC at 877-784-6787 or request a quote on our website.

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.

Why Travel Trailers Aren’t Required to Have Liability Insurance

Travel Trailers, Fifth Wheelers and Motorhomes are all classified as Recreational Vehicles, but there are differences in how the units are used, which also affects the coverage offered by RV insurance carriers.

When considering RV insurance, there are some key differences between a motorhome and a travel trailer or fifth wheel trailer. The main consideration is how the different types of units are moved from one point to another. While a motorhome has an engine and drive train that enables it to be moved on its own, travel trailers and fifth wheels require a separate vehicle to tow them from one location to another. This difference also affects some of the most basic coverage that is associated with recreational vehicle insurance policies. Motorhomes, because they are drivable units, require Bodily Injury and Property Damage Liability insurance coverage, while travel trailers and fifth wheel trailers do not.

Now, there may be some who are scratching their heads, wondering “…what is meant by Liability?” Simply stated, being liable means you are legally responsible for a debt. Whenever you are involved in a motor vehicle accident, the cost of treating injuries and repairing damages can often be very expensive. If it’s determined you are responsible for a vehicular accident, then you are indebted for the costs for medical treatment for injuries caused and to repair property damage done by your vehicle to other persons and/or vehicles. Purchasing Liability insurance not only satisfies most state’s requirement to register vehicles, but also helps to ensure that you are financially protected, in the event you are responsible for an accident.

Now that we have a better understanding of what Liability means, let’s get back to our original question: “why doesn’t a travel trailer policy include Bodily Injury and Property Damage Liability insurance coverage?” The easiest way to understand where the responsibility or liability falls is to think about where the driver sits while the vehicle is in motion. A Motorhome, because it moves under its own power, requires Bodily Injury and Property Damage Liability coverage. However, Travel Trailers and Fifth Wheel Trailers cannot be moved without the use of a tow vehicle, so the responsibility instead defaults to the vehicle that tows the trailed unit. So, if you are insuring a Travel Trailer or a Fifth Wheel, be sure to also consider the liability coverage limits associated with the vehicle you use to tow them. Looking for a quote or policy review? Contact us today.

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.

The Liability of Not Responding to Tenants Quickly

STORIES FROM AN INSURANCE LAWYER PART 3

Protect yourself from a lawsuit in Safford, AZHave you ever had a tenant ask you to fix something one, twice? What about three times. Consider this story. Landlord, purchases rental property with older windows. Single pane, not super-efficient, but who want to replace the windows in your rental right away, right? Anyway, tenant complains to landlord, asking for double pane windows. This happens a couple of times. No action by the landlord. Now, we can argue whether or not this action is required of the landlord in any case, but it’s not material to the story. Tenant and her boyfriend are otherwise occupied. The tenant’s child, is playing by a two story window. Kid falls out of the window. Now, as I understand the story, Kid was okay, BUT the landlord gets sued. What? Yeah, it was a stretch, but the landlord got sued.

Basically, the tenant claimed that if the windows had been replaced then the child would not have fallen out of the window. Yeah, I am not sure how the new window somehow watches the kid and makes sure no one falls out the window, but I haven’t seen that model at my local Home Depot, but I digress. The suit went to court. In this case the Landlord won the case, and was not found negligent, BUT it begs two questions.

  1. Are you responding to your tenant’s request? The reason the case had any standing to begin with is that the tenant had made multiple requests that the windows be replaced.
  2. Defense costs, again a huge benefit of your insurance policy.

So, keep your property well-kept respond to these tenant requests, and be sure to purchase enough liability coverage. Start your landlord insurance quote online right now!