Mar
24
Written by:
Kristin
3/24/2011 8:32 AM
Many people place their motor homes, trailers, fifth wheels, or truck campers on their auto policies to save money in the short-run, but in the event of claim, this could result in thousands of dollars out-of-pocket due to insufficient coverage. RVs have different insurance needs than regular automobiles.
Specialty RV insurance is designed for RV-ers and includes coverages not typically available in a standard auto policy, such as:
■ Damage to awnings
■ Damage to satellite dishes
■ 24-hour towing and roadside assistance
■ Replacement of personal items (clothing, cameras, tools, electronics, etc.)
■ Emergency vacation expenses (pay for temporary lodging, auto rental, travel expenses if you are involved in an accident when away from home)
■ Vacation liability (protection you from liability if others are injured in or around the RV)
■ Optional full-timer coverage
■ Total Loss Replacement or Agreed Value (protects you from depreciation in the event of a total loss – this could mean thousands of dollars of difference in a total loss settlement)
Now is the time to check your RV policy and make sure you have adequate coverage. If you would like more information or a free quote, please contact us at 248-373-5811 or e-mail us.