Best Way to Protect Your Investment – RV Insurance

If you own an RV or motorhome, then you are almost certainly aware of how much different it is from a regular automobile. An RV is your home on wheels. It contains everything that you need to live in comfort or even luxury, and it costs almost as much as a house in some parts of the country. This piece of property represents freedom to many people across the United States, and in this country we protect our freedoms. Insuring your RV with a policy that is specifically targeted to RV’s is one of the best ways of protecting this investment.

Car insurance does not even begin to cover the things that you will have to consider when it comes to your RV and the safety of the people and property within. RV specific insurance covers all of these things, protecting your personal effects, for example. Your clothing, your camera, your laptop are all things that you would not think twice about bringing with you in your RV. If the worst happens to it, however, your RV will not protect these things from fire, flood, or other destructive forces. Your RV insurance, however, will at least allow you to replace these items with minimal fuss.

Your RV insurance will also cover the costs of replacement of your RV if it is totaled or stolen and not recovered, just like car insurance protects your car. As we have noted, RVs are extremely expensive, just as a home on wheels should be. A good RV insurance policy will have a full replacement policy, meaning that one bad accident will not force you to give up your RV trips for good.

If your RV is for more than camping and you claim it as your primary residence, then look into superior fulltimers protection. This protection covers your RV in exactly the same way that homeowner’s insurance covers the home. This protection covers liability for injuries sustained on or around your RV, superior personal effects coverage, and more. This protection is a must if you live in your RV.

If you make additions to your RV such as an awning or satellite for your television, then be sure to include these upgrades in your insurance policy. RV insurance covers these little extras, and will include them in the replacements if your RV is destroyed or stolen, and will replace them if they are damaged beyond repair.

Don’t forget to look out for the little extras. If your RV is in storage for the season, suspend your collision and liability insurance and save money on your premium. Also keep an eye out for the little extras like theft rewards, which provide a reward to persons with information leading to a conviction in the case of a stolen RV. An emergency expense allowance will help you cover your food and lodging if your RV causes you to be stranded a certain distance from home, and a fire department charge may mean that your RV is covered up to a certain amount for damages done by the fire department. Don’t forget locksmith services, with insurance covering all or part of the fees for a locksmith to get you into your locked RV.

None of these things are covered by normal car insurance, but they are so important to your health and piece of mind when driving your RV that it is important not to forget about them. The proper insurance can save you a lot of hassle should you get into trouble down the road.

Get Your Insurance Guide Now. Find Out More Information about Different Types of Insurance such as Home, Medical, Dental, Term-life, Travel and RV Insurance.

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Motorhome Insurance – Nine Golden Rules to Follow When Purchasing

Your motorhome is probably the second most valuable asset you own after your house. But study after study has shown that a large percentage of owners are underinsured. This can have costly consequences if anything should happen to your motorhome.

Follow these Nine Golden Rules when considering insurance for your motorhome or RV to make sure that you have the coverage that you need.

  1. Fully consider the risks that relate to when and where you use your motorhome. Motorhomes go to places that automobiles don’t always go, such as campsites, river banks, forested areas. For instance, if you often park under trees then make sure you are protected from tree damage.
  2. Make sure there are adequate limits within the policy to cover the high costs of repair and towing. Will these be sufficient when you live five states away from the incident?
  3. Ensure you have adequate coverage for liability claims related to bodily injury and property damage. Liability claims are spiralling upwards every year. Is the coverage high enough to cover the potential liability? What coverage do you have on existing policies that might be applicable?
  4. Check that there is coverage for damage or loss of contents as well as for add-ons such as awnings. Contents and add-ons can be extremely expensive to replace. Check whether the policy is ‘new for old’ or ‘replacement cost only’. With the former you will get the value of item if you were to buy it today while with the latter you will only get its replacement value–or what the item is worth.
  5. Investigate limits and conditions related to medical expenses, protection against other drivers and damage to your motorhome. Be sure that there is adequate coverage if you suffer damage caused by an uninsured third party.
  6. Choose a reputable insurance company that has a respectable claim-to-payout ratio. A company with a low ratio will probably mean that it is hard for you to make a successful claim. You also want an insurance company that is going to be around when it’s time to pay out!
  7. Make sure you have flexibility in choosing a repair shop or that you are happy with the insurance company’s choice. This will vary by state and county, so make sure you will be well represented if the worst happens.
  8. Check what general exclusions the company has in its policies. Compare these exclusions with policies from other companies so you can be confident in the policy you choose.
  9. Check for the level of incidental expenses allowed and that there is adequate provision for towing the motorhome back to base or providing alternative transportation.

Follow these Nine Golden Rules to make sure that you have the insurance coverage you need on your motorhome. That way, you can really enjoy the carefree life of motorhoming without the worry of insurance over you!

This article was written by Piers Crispin, a writer on consumer affairs. Please visit for more information on Motorhome Insurance, as well as information on Class A MotorhomesArticle Source:

RV Insurance – Don’t Travel Without It!

RV insurance can easily save your family vacation. RV insurance provides RVers with peace of mind whether the RV is parked in front of your home or at a campsite in Yosemite National Park. RV insurance provides you with coverage for a variety of different events including:

  • Accident
  • Theft
  • Vandalism
  • Collision
  • Smoke
  • Fire
  • Hail
  • Windstorms
  • Landslides

RV insurance can also provide you with coverage for your personal property should your RV be broken into or vandalized. This is important because many people keep belongings in their RV that they wouldn’t consider keeping in their car. This includes camping equipment, camcorders, laptops, VCRs, DVD players, clothing and jewelry. This insurance can provide you with emergency assistance in the form of lodging, a rental car and the replacement of your belongings. You are also covered from liability should a campsite visitor slip or fall.

This insurance is essential for many RVers. For some an RV is more than their vehicle for traveling, it may very well be their full-time home. Because of this, you need special insurance coverage to ensure that your travels are safe no matter where you are. Many RVers place their RV on their regular car insurance policy. This is not necessarily a good idea. By placing your RV on your auto policy, you will not be able to take advantage of the liability insurance if someone should injure himself or herself on the RV or your campsite. Your car policy will also not cover emergency assistance should you be involved in an accident that renders your RV undriveable.

Many RV insurance policies will also cover:

  • Bodily injury or property damage liability
  • Uninsured motorists
  • Medical payments
  • Comprehensive and Collision Options
  • Roadside assistance
  • Emergency expenses
  • Vacation liability
  • Mexico physical damage
  • Trailer
  • Fire Department Service Charge

If you are a full-timer, you may want to consider what your options are when it comes to living on the road full-time. These packages are similar to a homeowner’s policy and provide similar coverage. They will include personal liability, medical payments to others, loss assessment and storage shed contents.

The road can be a dangerous place and you want to ensure that you are adequately covered when traveling. No matter what type of RV you have you can insure it with an RV policy. You can opt to not carry the insurance in the winter, but if your RV was broken into, vandalized or damaged you may not be covered. RV insurance covers you no matter where you are parked, so it’s better safe than sorry.

Bill is a regular contributor to Tents Today []. Visit Tents Today and its sister site RV Today [] for all your outdoor information. Both are Camping Outdoors [] projects.

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RV Insurance – Zoom Out Without Worries

The money you spend in buying your recreational vehicle is an investment for a lifetime. Buying a good RV needs proper research that includes a good estimation of your wants and a great deal of market survey that helps you in zeroing down to a dealer that offers you exactly what you had been looking for. All this hard work and the money spent can be at stake with a sudden accident, act of vandalism, theft or any incidence that ends up damaging your RV.

That’s why RV insurance is vital. Insuring an RV not only covers you from potential damage risks but also lets you camp without worries. However, most RV’ers do not have a clear idea in regard to the various factors determining the price of a RV insurance cover. So before you go ahead with RV insurance, it is wiser to consider the various factors that affect the insurance rates.

The location of your RV, when not in use is a vital determinant of the premium rates. So if it is located at a place where it is more susceptible to damage, the premium rates are bound to increase. Some insurance companies also take into account the type of RV. Thus insuring a bigger RV with good utilities might be expensive than insuring a smaller one with less utilities. Moreover, drive safe to avail lower premium rates because your driving history is one of the major inputs that influence the premium you pay. Do consider the frequency of your travel. A full timer and a once-in-a-while traveler should go for different coverage. And yes, a good credit rating surely helps.

There are also some perks associated with some of the factors that bring down the premium rates considerably. A higher age is taken as a higher driving experience that might bring down the premium rates. A membership with a RV association sometimes offers you a discount on the premium rates. Owning a home and your marital status shows the level of your responsibilities which in turn can influence the insurance rates. Discounts on premiums can vary from company to company and so you should check out the applicable discounts with your agent.

Once you have opted for coverage, make sure you follow some simple steps for hassle free claims. Retain all the receipts and take clear pictures of your RV just before you camp out. In case of damage, take the post-damage pictures and also determine the cost of damage. Always keep the policy number along with the details of the insurance company handy. And more importantly, never ever try to fool your insurance company. There are experts in their business.

So, do consider the above points and insure your RV motorhome before zooming out with it.

RV Insurance Coverage for Common Claims

You must have RV insurance coverage because it is the law and also because it will give you a peace of mind that your investment will be protected. RV insurance coverage is more comprehensive than regular automobile coverage because it also covers the specialized parts of a recreational vehicle. There are many different claims that RV owners may have to make over the life of their recreational vehicle, but here are some of the more common claims using RV insurance coverage:

Awnings and Slide outs-Because many people are not accustomed to driving with an extra half of a foot sticking out on the side of their vehicle, they sometimes misjudge clearance and hit obstacles. RV insurance coverage will help you to have the damage repaired. Another problem associated with awnings is weather damage. If it is extremely windy, you may want to put your awning in travel position. When it is raining, you should at least put one outer corner lower for the rain to run off. Never leave your awning out and unattended. Any time you put the awning in travel position make sure that it is securely fastened. These steps will help you to avoid having to utilize your RV insurance coverage.

Fires from Gas Leaks: Most RVs have at least some components such as the refrigerator, the water heater, etc. that run using a propane or LP tank. The most commonly reported claim is fires behind the refrigerator as the result of gas leaks. You can help to limit claims on your RV insurance coverage by getting your system checked at least once a year. Check for any leaks in the tank, in the gas lines, etc.

Tires: One thing that is a common claim on not only RV insurance coverage, but automobile coverage as well is blown out tires. In the best cases, you go veering off to the side of the road, but in the worst cases, it can be much more damaging and devastating. Check tires frequently for worn spots, brittleness, air pressure, and alignment and make sure to have them rotated.

Pests: One little known, but common cause of RV insurance claims is damage from pests like mice and squirrels. Seal up any holes that they might enter and clean out any food or crumbs before you put your RV in storage.

RV insurance is a valuable tool-but it is better not to need to use it.

Eriani Doyel writes articles about Recreational Vehicles. For more information about rv insurance coverage visit

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Online RV Insurance Quote-Reasons to Get One

You should get an online RV insurance quote no matter where you have your homeowner’s and automobile insurance, and whether you are an RV owner already or you are just looking at becoming an RV owner. It is not a matter of disloyalty. It could be a matter of saving you money and headaches over future claims. It will not hurt you to get an online RV insurance quote and it may very well help you. You may be pleasantly surprised at the value and coverage available for every type of RV owner.

If you get an online RV insurance quote it will save you time. Not only will you be able to look at several different types of insurance and also insurance products, with some companies you can have a quote in minutes rather than the hours or days it may take if you were to talk to an insurance broker. When you are in the process of buying an RV, an online RV insurance quote can get you started in the process of insuring it much more quickly.

If you were to call up a number of different insurance companies it would take a lot of time and energy to compare all of their coverage costs and options. When you get an online RV insurance quote from one insurer you can get them from several other different companies at the same time so that you can compare them. Make sure that all of the information that you enter is the same so that you can get an accurate online RV insurance quote.

Once you get an appealing online RV insurance quote, you are more than welcome to take it to your current insurance provider to see if they can match the coverage and value of the policy. Most likely they cannot do it. They do not always have RV specific products, they have homeowner’s policies or they have automobile policies, but what you need is a combination of both. An RV insurance policy will cover things like awnings, slideouts, the hookups, and even will cover you if anyone is injured while in your RV.

You can get an RV insurance quote for free online. There is no cost or obligation. But, if you don’t get one, it can cost you if you have to make a claim in the future. It doesn’t hurt to take a closer look at online RV insurance.

Eriani Doyel writes articles about Recreational Vehicles. If you are interested in a online rv insurance quote visit

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RV Insurance–What Kind of Coverage Do You Need?

Some people think that they can just skip getting RV insurance and put their recreational vehicle on their car insurance policy. While in theory (and in reality) this may save you a little money on your premiums, only an RV insurance policy can give you the complete coverage your recreational vehicle requires. It doesn’t matter if you have a motorized RV or a towable; it can and should be covered by its own RV insurance policy.

A motorized RV is not simply a car, and a towable RV is not simply a trailer. Both of them are also “home” to you when you are out on the road. They have many features which cars and trailers do not have. An RV insurance policy will cover things like your awnings, slide outs and refrigerator in the case of an accident, fire, theft or other damage. Car insurance typically will not. When you purchase RV insurance you should have mental or written list of those things in your RV that you want covered and then, you can shop for coverage which will protect you. It is important to note that RV insurance is not the same as an RV warranty which covers break downs and malfunctions rather than accidents.

Look for these coverage options when you are shopping for RV insurance to insure the most complete policy:

Total Loss Replacement: If your RV is totaled for any reason this coverage will provide you with a brand new comparable RV if you are the original owner and it is less than 5 years old. If you bought used or if it is older than 5 years old, you will get a check for the purchase price to put towards an RV.

Personal Contents Coverage: This provides you the funds to replace items such as clothing, jewelry, cookware and kitchenware, etc.

Towing and Roadside Assistance Coverage: Covers the cost of towing the RV, locksmith services, fuel refill, and battery recharging. Some policies cover this 24 hours a day, seven days a week.

Emergency Expense Coverage: Covers your hotel, food, rental car and even airline ticket expenses if you need it.

Look for the best deal, but more importantly, look for the best RV coverage.

Eriani Doyel writes articles about Recreational Vehicles. For more information about RV Insurance visit

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