Spring is nearly here.
And that means two things — spring break is right around the corner, and before you know it will be time for summer vacation.
Before you gas up the ol’ RV and hit the road for your family vacation here are a few tips regarding your RV insurance coverage.
What covers your RV?
Your auto insurance will partially cover driving your RV – but if you plan to camp in it your auto policy may not be enough.
Going on an extended trip? Are you planning on living in your RV for more than a day or two?
You’ll probably need to get “full timer’s insurance.”
The benefits of getting this specialized coverage means your clothing, camping equipment and personal valuables will be covered. Your liability insurance will specifically provide coverage if someone is hurt in or around your RV. And if your RV is damaged en route – there will be coverage for hotel and possibly a rental vehicle.
Types of RV insurance available are: Motor home, Class A, B and C, professional and non professional conversion, motor coaches and camper vans. To qualify for RV insurance you must have permanently installed:
- Cooking appliances
- Bathroom facilities
- Drinkable water
- 110-125 volt power system
Even bus conversions must have these.
Getting RV insurance coverage
Decide what kind of deductible is appropriate for your needs, whether you will need stated cost or replacement cost in the event of a total loss, whether you need insurance that extends beyond the border – for example travel to Mexico or Canada.
You may also be able to save money if your RV is only used a few months of the year and then kept in storage or on your property for the balance of the time insured.
Before you get quotes, you will need:
- the year of manufacture
- make and model
- mileage and condition
- your current insurance info
- any safety devices that might lower your rate
Determine whether the vehicle is for personal or commercial use, personal items that you want included on the policy and the names of the people authorized to drive the vehicle. Determine if organizations you belong to offer a discount on RV insurance. For example AARP and The Good Sam Club offer special rates for RV owners.
You will find that your policy will be lower if you take a defensive driving course and specialized training for RV driving.
And always consider shopping for a better rate.
In fact, Sony Phinitsovanna at BDD Insurance recently outlined seven way you can save on insurance, including bundling your policies with the same company, such as your home and auto. It may make sense to get your RV insurance with the same provider as your auto, especially if you can get the right coverage for the right price.
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Save time and aggravation with a free, customized, quote comparison from qualified insurance providers. It only takes a couple of minutes so why not enjoy peace of mind by getting the coverage you need.
Get your FREE, no-obligation RV insurance quotes today.
Or you can search through our list of auto insurance providers for your State or Metro area that can help you get the insurance coverage you need.
Either way the choice is yours…