Is your RV properly insured? Are you relying on your personal automobile policy for coverage?

You have far greater exposure when operating an RV than a regular vehicle. A personal auto policy is simply not designed to provide the proper coverage.

You have many possessions in an RV like clothing, computers, cameras, sporting goods, jewelry, cooking equipment, etc. You are thinking your homeowners policy will provide coverage.  Maybe, but maybe not. If your property in the RV is damaged as a result of an accident, most homeowners policies will not provide coverage since the peril of “collision” is not a covered peril.

An RV policy provides the usual liability, medical payments, uninsured/underinsured motorists, comprehensive, and collision coverages. Other coverages available are roadside assistance (towing) and emergency expense to provide as much as $2,000 for meals, lodging, and transportation if your RV is disabled.

Coverages peculiar to the RV policy include:

·         Total Loss Replacement for the RV

·         Replacement cost for personal effects inside the RV

·         Vacation liability (for someone, not you or your family, hurt in or around your trailer)

·         Pet injury coverage

·         Full timer’s liability (if the RV is your permanent home)

Foremost and Progressive insurance company have excellent RV policies and your independent insurance agent can secure the best coverages for you!

Posted 12:00 PM

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