RV Insurance Common Mistakes

Mistake #1: Thinking car insurance is sufficient to cover your RV

An RV is not just a big car. Specialized vehicles require specialized insurance. You need coverages that accommodate the kind of personal belongings you keep in an RV, discounts that reflect when and where you drive, and services that provide expert RV assistance.

For example, what do you do if you have to file a claim while you’re away from home? What if you sustain a loss while in a campground? These and so many other questions call for a motorhome insurance, trailer insurance and 5^th wheel insurance expert.

Make sure you get the right coverages from a specialized RV insurance company with the experience and the infrastructure to help you.

Mistake #2: Shopping for the Lowest Price Available

Don’t underestimate the value of a service-oriented, reliable and specialized RV insurance company when you search for RV insurance coverage. Be sure to compare features and services, not just price.

Mistake #3: Choosing Inadequate RV Liability Insurance Coverage

Liability coverage is what protects you in the event you injure other people or damage property with your vehicle. Choosing lower liability coverage limits may leave you seriously at risk financially, since medical bills and loss wages can quickly exceed low liability limits. Do more than choose state-required minimums - choose the coverage that reflects your personal financial situation.

Mistake #4: Missing Out on Potential Discounts

Built-in premium savings as well as RV insurance discounts can offer many ways to reduce your premium. And some of them may surprise you! Just a few discounts that you may qualify for include:

• A multi-vehicle discount for insuring your RV and autos on the same policy.
• Using the exclusive Storage Option that allows you to suspend coverages you don't need when you're not using your RV.
• Having anti-theft devices, airbags and other security devices.
• Having a safe-driving record.

Be sure to ask about available discounts. Take advantage of great savings!

Mistake #5: Neglecting to consider life changes

Life changes like moving, buying a house, getting married, having a new baby, or having a new teen driver in the household can affect your insurance needs and the price you pay for coverage. Even your birthday can change the money picture when it comes to insurance premiums.

You may not think about recreational vehicle insurance when unpacking at the new house or blowing out the candles on your birthday cake. But the fact is - all of these things potentially affect the coverages you need, and reduced rates may be newly available!

So be sure to keep your policy current - and that means everything from address changes to marital status to sending off your firstborn to college. Generally speaking, these life events - and more - offer opportunities for revisiting your RV insurance coverages and for enjoying more savings!