InsuranceDoctorRV

Choosing The Best RV Insurance

When you decide to invest in a recreational vehicle, it can be a significant cost expense. Regardless of whether you decide on a simple trailer, or go with a stand-alone motorized RV unit, they can cost tens of thousands of dollars. Deciding on the right insurance plan for your RV can be the difference between a simple accident and a major pain that could result in tons of damages. In some cases, it may be necessary to have insurance coverage on your RV, regardless of the type.

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There are some simple car insurance terms that are thrown around, such as :

  1. Collision/Comprehensive/Liability

  2. Deductible

  3. Premium

  4. Seasonality Coverage

 

  • The first set of terms describes the various types of damages you may encounter. A collision is fairly straightforward, and covers repairs that are caused by hitting another vehicle, individual, or an object. Comprehensive insurance is also known as “Act of God” insurance – because it covers accidents from fires, thefts, nature, animals, and a variety of other non-fault accidents. The last term, liability, is used to describe damages that are covered to people, vehicles, and other property that you are responsible for.

 

  • Your deductible, based on your budget and needs, varies, but it is the amount that you pay to the auto shop for your claim, before your insurance company will start to cover the rest. If you have a $500 deductible, for example, and your damage claim came to a total of $12,000, then you would be responsible for the first $500, and your insurance company would cover the remaining $11,500. The higher your deductible, the less you pay for monthly premiums, however, if you were to be in an accident and file a claim, you would obviously be paying a higher limit before your insurance would kick in, and vice versa.

 

  • Premium is simply slang for the monthly amount you pay to your insurance company for coverage. This varies based on the different coverages you have (collision, comprehensive, liability), and a few other factors such as your deductible amount.

 

  • Seasonality Coverage is for those who only use their RV’s during specific months of the year. For example, if you tend to take your vacations during the Summer time, you may want to ask about seasonal coverage for just the Summer months. During the other months of the year, you would be without insurance.

 

Many times, your typical auto insurance company will have a separate department for recreational vehicle insurance, and a whole team dedicated to handling these types of claims. It is extremely important that you take the time to thoroughly review and research the many different insurance options before you decide on pursuing one. Every insurance company has different policies and regulations for how they can handle certain situations, and you may choose differently based on other’s experiences.

It is also important to note that if your recreational vehicle has many attachments such as a satellite dish, TV antenna, a balcony umbrella, or anything else, they are more than likely not covered by the insurance package. This is something, depending on the item, that you may want to bring up with your company to see if there are other options for covering these attachments.

Depending on how often you use your RV, your insurance needs may vary, so it is always vital that you do your research! If you are a part-time RV user who goes on family vacations once a year, that will be a significant factor when choosing insurance. On the other hand, if you are a full-time RV user and are constantly in the vehicle, then you more than likely will want to pursue some type of full-time coverage. There are many options for choosing the right insurance, whether you use a major corporation, or a smaller, more-locally based company. In my case, with a full-time motorized RV, I actually ended up going with a local company, Insurance Doctor: http://www.myinsurancedoctor.com/chesapeake/, who was able to answer all of the questions I had and gave me an excellent, competitive quote. I’ve had to use insurance a few times, and so far, there has been nothing but pleasant experiences dealing with  Insurance Doctor. They are one of the top auto insurance companies in Chesapeake VA, which is ironically the home of major insurance company GEICO!

Another important thing to keep in mind when choosing insurance for your RV is the various emergencies that you may encounter during your trips. It may be worthwhile to invest in a form of health insurance that can transport you to and from hospitals if you were to have a health emergency. There are many medical insurance plans available in this very tailored service industry. A few of the big names in this industry are companies such as Skymed and MASA.

7 things you should have in your RV

In an RV, space is a major concern. You get into a dilemma in deciding what to take and what not to take. Here are some things you should always carry in your RV.

1. Roadside assistance card

It is a very important thing to carry in an RV. If your RV breaks down in the middle of the road, then you can call the roadside assistance people, like AAA, to fix your RV. If you don’t have such card, you should get one.

2. Portable folding propane grill

As you will be going out camping in an RV, you must take a portable grill. You will be able to have BBQ parties in the midst of nature. This grill can be used for many years.

3. Folding table

You won’t find a table at your campsite. So, you should take one with you. There are many folding tables in the market. You should choose something lightweight so that it’s easy to carry. You can use the table for meals, games, etc. You should look for something that is weather resistant. So, you won’t need to run to get the table when it rains.

4. Brass Y valve

This will allow you to get an extra connection for water. Most campsites have only one connection. So this valve will give you an extra line to wash your hands and cars. You can also use it to wet your partner and have some fun.

5. Internet connection

We stay online every day. Whether it’s for work or using the social network, internet connectivity is a must. RVs cannot give you unlimited internet. So, you should sign up with a good carrier before starting your journey.

6. A vacuum

As you will be staying in campsites most of the time, there will be dirt, mud, and bugs. You need a vacuum to clean your RV to get rid of all these. You will find rechargeable and cordless vacuum in the market.

7. Folding Step

A folding step can be very useful. It can be used to get inside your RV in case the ground is not level. You can use it to reach things or for cleaning and repair works as well.

8. Portable dehumidifier

It is very useful for controlling the humidity of your RV. Make sure it is small and portable so that you can easily carry it around.

When you are traveling in an RV, make sure you carry all these things with you. It will make your journey very comfortable.