Thursday, September 21

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Simplify Your Mobile Lifestyle with Complete RV Insurance Protection

Whether you're a fulltimer like Bob and Katie, or a "snowbird" who winters in warmer climes... the proud owner of a million dollar motorhome, a custom built fifth wheel, or a cozy pop-up trailer...your RV represents planning, saving and dreaming. It's a decision you made with care and diligence, your heart and your wallet. Now it's simply a matter of understanding what's out there to meet your RV insurance needs.

But rest easy. Total and complete peace of mind is definitely possible. You can start today, blazing happy trails of adventure with the liberating freedom of life on the road. Just remember this...

It Only Makes Good Sense To Be Fully Covered

Unfortunately, the biggest mistake most fulltimers make is being hugely under-insured on the contents of their RV, as well as personal effects. Think about it. You are traveling with the lion's share of your worldly goods. It only makes sense that you need more insurance protection.

VIP Insurance from The Good Sam Club

Here's a good way to understand this concept. Imagine you can pick up your RV, turn it over, and give it a brisk shaking. What would fall out of it? We're talking about everything loose, that didn't come as a fixed part of your rig.

For example, what you'd shake out of your RV would include dishes, clothing, bedding, computers, bicycles, folding chairs, cameras, wine glasses, barbecues...get the picture?

In other words, a really expensive mess would be landing in a heap! But did you realize that some insurance companies only allow a maximum of $500 each for golf clubs, cameras, or jewelry? Consider what this could cost you in the case of theft or an accident.

And then there are the fixed items like your satellite dish, awnings, or solar panels. You must inform your insurance agent of these expensive extras, in order for them to be covered as part of your RV.

And don't let this happen to you either! Recently a fellow fulltimer (we'll call him John) thought he'd made a great deal with $6,000 worth of insurance (a measly $36 a year!) for all of his contents. But after an electrical fire devoured his rig, his actual replacement costs came to almost $20,000. His rig was covered, but he was $14,000 short, because he thought he'd save a few bucks on his coverage.

Ironically, it only would have cost John about $6 per thousand more for the additional coverage...per YEAR (about $7 a month!)

Don't let an uninformed insurance agent, or your own mistaken economizing measures, cost you thousands of dollars in the long run.

The bottom line is...

Finding the Right RV Insurance Isn't Rocket Science

Really, it boils down to understanding a few simple facts. Just thinking about how much time you spend traveling (a very pleasant assignment!) can help you decide how much liability and personal property protection insurance you need.

If you're a fulltimer, you enjoy more exposure on the road so you need some added protection. For you, a fulltimer's package is the way to go. By paying a few dollars more you can get all the insurance coverage you need.

Think how simplified your insurance plan would be if you could combine auto insurance and personal liability insurance into one single policy. Well, that's part of the beauty of fulltime RVers insurance.

You're fully protected in the case of an accident on the road or at your campsite - inside or out. Your RV is treated just like a home with a "homeowner's clause", rather than a "recreational" vehicle that you drive now and then. And that's exactly what will help you sleep like a baby, worry free.

Of course, whether you enjoy the mobile lifestyle part-time or as a fulltimer, you want to know exactly how much coverage you're paying for. You can easily find these liability limits written in your insurance policy.

A common liability plan is $100,000/$300,000/$50,000. Don't let the long string of numbers confuse you! They simply refer to the amount of protection you have.

This part is not any different in meaning from regular car insurance... like how much bodily injury liability you have for one or more persons, and how well you're insured for property damage. You can easily decide how much protection you need by understanding the value of your personal assets.

And higher liability limits aren't expensive. So, increasing your liability limits will help you have even more peace of mind, as you get enjoy the pleasures of the open road.


Here's How to Make Sure Your Happy Trails
Continue As Long As You Like

Once you start traveling in your RV, you may find you'd like to continue for many years. But unlike your "sticks and bricks" house, your home on wheels won't last forever.

That's why it's important when you're scouting around for insurance, to make sure you consider replacement cost. Having this type of coverage is the ideal way to make sure you continue enjoying the exhilarating freedom of a free wheeling lifestyle, no matter what.

Replacement cost insurance simply means your insurance company will replace your RV with a brand new one of the same make and model if something unexpected happens.


But if you're like most dedicated RVers, you want to make sure your recreational vehicle is totally protected in case of a loss or if it's stolen. Without replacement insurance, many insurance companies will only pay the claim based on the actual cash value of your RV.

For example, if on the day of an accident, the RV you paid $100,000 for has a cash value of $50,000, you'll get the actual cash value settlement. And the last thing you need during a time of stress and loss is trying to manage with half as much as you started out with.

Now, policies may vary some here, so just make sure you understand the limits. And be aware that some restrictions on replacement coverage will kick in after the first five model years. Up until that time, your replacement would be a brand new unit. If your RV is six model years or older, you'd receive the purchase price towards a new one.

Once you realize how incredibly important this coverage is, you won't have to worry about depreciation on your home on wheels. You'll be secure knowing you can continue to enjoy this exciting lifestyle, even if you encounter a temporary bump in the road along the way.

But here's the really good news...



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