Friday, November 24

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Don't let costly misinformation ruin your travels!


Do You Make These Mistakes In RV Insurance Coverage?

Dear Fellow RV-Nut,

Whether you're a fulltimer, snowbird, or weekend escape artist...if you're reading this, you've undoubtedly got wanderlust running in your veins.

There's nothing quite like the beckoning open road. You know the feeling, don't you? The quiet solitude of a pure, perfect sunrise as it gently seeps through your window. Sweet freedom from the ordinary, whenever and as much as you like.

Whether you're chomping at the bit to begin, or already a seasoned road warrior...you've probably discovered this irony...the more you see, the more there is to see!


No Doubt About It...RV Travel Is The Perfect Lifestyle

That's why it's so important to have all your ducks in a row with your travel lifestyle. The last thing you need is the hassle...or even worse, the heartbreak...of coming to a screeching halt because of a nasty surprise with your insurance coverage on your recreational vehicle.

Whether you have a motorhome, fifth wheel, travel trail, or camper, the beauty of the open road may lure you away from thinking about the necessary realities of your RV insurance coverage. The good thing is, no matter what recreational vehicle you choose, once you have your RV insurance in place you won't have to worry about it. And that means miles and miles of happy traveling.

So let's get to it...

What The Heck Is A "Fulltimer" Anyway?

In the world of recreational vehicles, a fulltimer is someone who uses their RV as their primary residence. For some RV insurance companies, this means anyone who lives in their RV for five consecutive months a year.

As of this writing, there are at least seven insurance companies that offer full-timer's coverage for your RV. It might surprise you to know that many insurance policies do not cover your RV if it is being used as your home.

And trying to hide this fact from your insurance carrier could be a costly mistake when you try to file a claim.

There are only a small handful of insurance companies that recognize the unusual requirements of the fulltime RVer. A few of these are Foremost, National General, and Progressive. All three offer national coverage, but each has its own "fine print", so be sure to assess your coverage carefully.

And here's something you must always remember...

Ask Your Prospective Insurance Company If They Offer Fulltime RV Insurance Coverage For YOUR State of Residence

VIP Insurance from The Good Sam Club

Once you join the ranks of free spirits, your recreational vehicle is certainly more than a car or a way to travel; it's your home! It's where you work and play, dream your dreams and live your life. And your official state of residency is an important consideration for your insurance coverage.

But you may be a little surprised to find not all insurance companies understand the needs of fulltimers. Perhaps you've encountered the blank stare of an insurance agent who simply cannot understand where your "real" home is. And Underwriters aren't exactly known for their "adventurous" frame of mind!

The Right RV Insurance Coverage:
Pay A Little Now...Or Pay A Lot Later

Recently, we chatted with a couple named Bob and Katie. When they were part timers, using their RV for vacations or long weekend get-aways, they relied on their homeowner's policy to cover their personal possessions and liability needs. Insurance concerns weren't a big issue. They had it covered.

However, the call of the road being as it is, they dreamed of getting away from the daily grind and joining the wandering vagabonds called RVers. They happily sold their house, downsized their belongings, and canceled their homeowner's policy, ready to embrace the complete freedom of the traveling in their recreational vehicle.

And as fulltimers, Bob and Katie needed to make sure they had enough insurance protection for personal liability and personal possessions as well. Realizing that everything they owned would now be in their RV, they needed to make sure their expensive "toys", Katie's jewelry, computers, Bob's golf clubs, and all the "stuff" needed to make a home was adequately covered. A comprehensive fulltimers insurance package was the order of the day.

Little did they know only a few insurance companies actually provide enough coverage for fulltimers and write policies to meet their special needs. It took the denial of what should have been a routine claim for water damage to their RV to awake them from their fog of complacency.

After researching several insurance companies, they were able to find the perfect fit for them. In fact, they did something you should do too. They insisted their new insurance company put it in writing, confirming that they were fully covered as fulltime RVers. And once they made sure the company they chose wrote fulltime insurance for their state, they were well on their way to enjoying their "on the road again" life.



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