Recreational vehicles are those that provide the comforts of home while you are traveling and are called Motor homes. RVs such as travel trailers have special needs for insurance. When this prized possession is stolen or damaged, your home insurance or auto insurance will not help cover the losses and you can face heavy financial loss. You need to have a special RV insurance that protects recreational vehicles RVs in short. If you do not have RV insurance cover, you must meet all the emergency expenses from out of your pocket which can be huge. Your regular policies do not cover the appliances, plumbing and other equipments and accessories fitted in your recreational vehicle. You should understand that a typical travel trailer insurance policy taken out from the standard auto insurance company will cover only the physical damages to your recreational vehicle. It will not cover the contents and facilities inside it. Therefore it is wise to go through the guidelines on the recreational vehicle insurance before opting for it.
Auto agents may tempt you into underinsuring your RV insurance by choosing big out of pocket expenses. Often the RV insurance policy will cost the same as the auto insurance policy but you get more coverage if you choose the specially designed RV insurance policy. This is helpful if you happen to file a claim the specially trained insurance adjuster for RVs will be able to do justice to your claim as he understands RVs better than the regular auto insurance adjuster.
The advantages of RV insurance
A typical RV Specialty insurance coverage from Poliseek RV has many advantages.
- Total Loss Replacement: It protects the RV from depreciation. In the event of a total loss the full replacement value of your RV will be paid to you. You get the purchase price coverage after five model years.
- Purchase Price Coverage: In case f a total loss, the insurer will pay the purchase price of your RV.
- Agreed Value coverage: If you are a motor home owner for total losses you can receive the agreed-upon value for your RV which is predetermined by a qualified appraiser or the value of bill of sale. This suits the bus conversions and restored motor homes perfectly.
- Full timer coverage: The RV insurance coverage includes comprehensive personal liability, living expenses coverage and expanded personal contents.
- Personal contents cover: This provides “new for old” or coverage of replacement cost of your damaged or stolen possessions in the RV.
- Emergency Expenses: If your RV is damaged such that it cannot be used due to a covered loss, you will be reimbursed for transportation and lodging.
- Campsite Liability: If you are injured while traveling in your RV, and if you are liable, you can get paid for expenses for treating injuries at your campsite.
- Towing and Roadside Assistance: RV insurance provides unlimited mileage and towing service with no deductible. You sue the sign and drive service that saves you out of pocket expense. 24 hour toll free number for US destinations is available.
- Disappearing Deductible: Your collision and comprehensive deductible will be reduced to the extent of 25% with each claim-free year.
- Mexico Coverage: If you maintain Mexico vehicle liability coverage, you will get comprehensive and collision cover extended to Mexico.
- Golf Carts, TV Antennas, Awnings, and Satellite Dishes: These are automatically covered and deductible applies.
- Tow Dolly and Trailer coverage: They are covered automatically less deductible.