Rv Insurance Tips For The Casual Rver
Are you a nature lover or are you apart of the get up and go crowd
? Or maybe you are part of the family that plays together crowd? You will note that these are categories that Go RVing has identified.If you fall into one of these categories, have you reviewed your RV Insurance? We suggest you review your current insurance and then compare that to what you get when you receive a specialty RV Insurance quote.
What is Specialty RV Insurance? Specialty RV insurance includes coverage options that are generally not available on a standard auto policy. The following are descriptions of Specialty RV coverages that Explorer Insurance Agency is able to offer:
Emergency Vacation Expense coverage is an option that reimburses out-of-pocket expenses that occur when an RV is out of use due to a covered loss. This coverage is available on every specialty RV policy with a $750 coverage limit for recreational users, and a $1,500 limit for full-timers. Hotels, meals, and car rentals are all examples of expenses that may be reimbursed for RVers who are stranded while waiting for their RV to be repaired.
Vacation Liability provides general liability coverage while the RV is used as a vacation residence. This liability protection follows the insured from campsite to campsite, or RV lot to RV lot. It extends to the boundaries of the site to protect the insured from any incident for which an insured may be legally responsible. When an RVer becomes a full-timer, full-time personal liability replaces this coverage.
Diminishing deductibles is a coverage option that is hard to decline. When selected this option decreases the amount of the comprehensive and collision deductibles by 25% for every claim-free year until the deductible hits zero. For example, if the insured selects a $1,000 deductible for both comprehensive and collision coverage, it will decrease by $250 each year the insured stays claim free, and the insured will enjoy the premium savings of paying for a $1,000 deductible!
Replacement Cost for Personal Effects coverage is an option that replaces belongings inside the RV that are destroyed during a covered loss. Clothes, pots and pans, silverware, plates, bowls, DVDs, clock/radios, and lawn furniture are all examples of belongings that are covered under this option. More costly items, such as televisions that are not part of the RV, jewelry, stereos, and computers should be listed under Scheduled Valuable Personal Property coverage.
Extended Utility Trailer coverage is an option that covers utility trailers pulled behind a motor home. Every RV policy automatically covers physical damage to a utility trailer up to $2,500. However, Explorer can increase that coverage up to $99,000. As RVers take more of their belongings with them on trips, utility trailers are becoming the norm, so it makes sense for the insured to include their trailer on the same policy as their RV.
Golf cart/moped coverage is another option that simplifies RV insurance coverage. With Explorer, you can add physical damage coverage to your RV policy to protect a golf cart or moped that is not licensed for street use, but rather used in campsites and parks.
Mexico physical damage is a great option available to any RVer. This option extends comprehensive and collision coverage into Mexico as long as the insured separately purchases Mexico liability coverage. For more in-depth information, contact your agent.
Awning replacement is available as an option to insureds that qualify for Total Loss Replacement. Awning replacement covers the awning for the full replacement cost of the awning during the first two model years of the RV.
Windshield replacement coverage, offered in most states to protect your RV from damaged windshields. This is a tremendous value considering the cost of replacing motor home windshields.
Whether you are hitting the road permanently or just for a vacation, you need to feel assured that everything is going to be okay when the unexpected happens. A Specialty RV policy provides coverages to fill some of the gaps that can exist with a standard auto policy. These gaps can be filled economically, as most of these coverage options are inexpensive and go a long way when needed.
by: Tod Carney E&O-Important Info You Need Before Getting E&O Coverage Auburn Tigers Vs Oregon Ducks Live Stream Tostitos Bcs Bowl 2011 Online Tv Coverage Why Secure Errors And Omissions Insurance Do I Need Pub Insurance And Should I Get An Agent Get Insurance And Drop Stress Least Coverage Requirements In Texas Florida's No-fault Insurance System Get Affordable Insurance By Gaining Little Info About The Premium RatesF What is the Coverage that Your Big Rig Insurance Policy Should Contain?1-800-513-3135 Factors To Get High Risk Semi Truck Insurance 1-800-513-3135 Low Cost Dump Truck Insurance Plan 1-800-513-3135 Start Training your Backup Coverage from Day One How Losing My Job Forced Me To Make Money Online