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Home » Does your RV have Special Coverage?
August 29, 2012

Does your RV have Special Coverage?

Mobile RVsYour recreational vehicle is more than just an automobile—it’s a home on wheels that your family can use for vacations, educational travel, and to see the U.S. on your own terms, your own schedule, and your own way. But just like an RV offers unique traveling opportunities, it also offers a unique dilemma when it comes to insurance.

You can cover an recreational vehicle under a normal auto insurance policy, but it won’t cover any loss to the contents of the vehicle. Since an RV is like a home, with furniture, appliances, electronics and whatever other personal effects you leave inside, this could be a problem.

The personal property within an RV can be covered by your home insurance policy, if the RV is in your driveway or garage. But if you are three states away on a trip to see a national treasure, then your home insurance policy coverage will not extend to cover the losses.

Many auto insurance companies offer full insurance coverage for RVs as an additional benefit to your policy, should you choose to add it. If you do, then you can get contents coverage for those times when you are doing what RVs do best—traveling.

But special RV coverage offers many other benefits as well including:

Full-timer coverage—There are some families who want to explore the U.S. on a full time basis and reside in their RVs permanently, shifting around from state to state and park to park. If this is the plan for your RV, you might want to consider full-timer coverage. Not only does this act like home insurance but it also provides bodily injury and property damage liability coverage.

Total loss replacement—This coverage guarantees a replacement RVwithin a certain timeframe of purchase, if your RV suffers a total lossfrom an insurable incident.

Low-branch collision—Driving an RV is a challenge, and sometimes the top of your RV, or accessories such as awnings, can become damaged by low-hanging branches. Low-branch collision coverage offers limited benefits for these situations.

Flood insurance—Do you know whether each park you stay in is within a flood zone? Chances are good that you don’t, which makes RV flood insurance a vital protection.

Coverage for accessories—From awnings to poles, A/C units tosatellite dishes, your mobile home away from home has a lot of extraamenities introducing extra risk. Accessories coverage can reimburse youfor certain losses of these added items.

Call us today to discuss your Florida RV insurance coverage options at (888) 537-1412.

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