Going Full Time? Make Sure You Have The Right Coverage!
If youve decided to permanently hit the road to experience all of America in your RV
, you may have gaps in your insurance coverage, particularly when you are no longer a homeowner.
Personal liability is the most important coverage for full-timer protection. This coverage protects you when losses occur for which you are legally responsible. When you sell your home and become a full-timer, personal liability coverage is lost and you could be unprotected.
Explorer Insurance Agency offers personal liability and other specialty RV programs for full-timers, providing coverage to fill important gaps. Learn more.
Full-timers personal liability is the most important in full-timer protection. When you are a homeowner, personal liability is covered under your homeowners insurance policy, which protects you when losses occur for which you are legally responsible. When you sell your home and become a full-timer, personal liability coverage is lost leaving you unprotected. Full-timers personal liability fills that gap by offering liability protection wherever your travels take you in the U.S. This is also a required coverage by most specialty insurance companies when RV usage exceeds five months per year.
Full-timers medical payment coverage provides coverage for the homeowners medical bills incurred as the result of an accident in the motor home. Again, when you become a full-timer, this protection may be lost. Full-timers medical payment fills this gap by offering coverage for medical bills incurred when the parked RV is being used as a residence.
Scheduled valuable personal property coverage allows an insured to schedule valuable personal items such as jewelry, antiques, and stamp collections. Full-timers may wish to take such items on the road but without a homeowners policy, cant protect them. Scheduled valuable personal property will cover up to $99,000 for any item, collection, or group of similar items you wish to protect.
Secured storage personal effects coverage protects your personal items in the event of a theft or fire. When you sell your home, all of your personal effects accumulated over the years likely wont fit into your RV, even if it is 45 feet long. Most people store personal effects in secured storage facilities, but they dont know that the items are not covered in the event of theft or fire. Secured storage personal effects coverage will cover up to $99,000 worth of personal effects in storage.
While you are enjoying your RV full time, you should have a sense of security that you are protected. At Explorer Insurance Agency, we firmly believe the full-timer coverage that a specialty RV policy provides is the best way to ensure worry-free travels.
by: Tod Carney
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