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CHEAPER
RV INSURANCE RATES
Are you paying too much for your RV Insurance?
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Make Sure Your RV
Is Protected |
A nice convenience of RV travel is taking along the comforts of home. While camping or just RVing, having the comfortable luxuries of furniture, cookware, TV, and even a cell phone and computer access right at your side makes for a nice vacation. Unfortunately though, many RVers don’t take the time to adequately insure all of those
comforts.
A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RV’s covered under auto policies are not adequately covered.
One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but again, coverage on personal property is limited when the property is kept somewhere other than the “residence premises.” Often the limit in a standard policy is very low and the usual policy deduction would apply.
To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto
policy. If the RV owner’s insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and it’s possessions are not covered after a disaster happens.
Facts
and Figures: Did You Know?
According to industry statistics, 90% of RVers are underinsured because they have their RV insured with an auto policy. It's an alarming number because most people are unaware of the specialty coverage needed to properly insure something as unique as an RV.
As a combination of an automobile and a home, RVs require coverage that extends to all features. Check out our insurance articles to learn how to best protect your investment and lifestyle. Take a few minutes to do an inventory of the items in your RV. A quick review of your belongings will tell you if the protection you have is adequate or if your personal contents limit needs to be
increased.
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