First off, we should discuss what actually counts as an RV. Most people just think of a mini-house on wheels, but RV insurance can be bought for many different vehicles, including motor homes, travel trailers, fifth wheel and medium duty tow vehicles.
The type of RV insurance that you should buy really depends on what kind of vehicle you own, its primary uses and the size of your budget. Thanks to personal experience (and insuranceguide101.com), here are a few tips to help you out.
1st question: Do you use the vehicle full-time or only seasonally? If you use your RV only part-time or during certain seasons, it would probably be best to check into policies that offer off-season discounts for when you aren’t using your vehicle. Over time, this could save you quite a bit of money. The sell my motorhome will provide insurance policy to the person on the motor homes. The taking of the insurance policy will be advantageous for the person.
However, if you use you RV full-time or even live in it, you will definitely want to check into the ‘fulltimers’ deals that some insurance companies offer. These policies not only cover the RV, but will also cover the immediate area around your RV. This can be really handy if your grill, lawn furniture or other outdoor equipment gets stolen or destroyed.
2nd question: Is there anything that you had added to your RV that you wish to protect? Sometimes we don’t think about it, but we can put a lot of money into fixing things up or adding extras. For instance, if you add a decorative awning, an antenna or satellite, a fancy entertainment center, hot tub or any other kind of customized extra, you will likely want to protect these investments. Make sure that the policy you choose not only includes what was originally part of the RV, but all the things you have added as well.
A few extra words of caution:
*Make sure that you have some sort of uninsured motorists coverage. You never know when you may be in an accident with a party who doesn’t have insurance. It may be unfair that you have to pay extra now because other people break the law, but if you ever find yourself in that situation you will be glad that you thought ahead.
*Don’t forget medical coverage. Although you may not think you would get hurt too badly in an RV crash due to the size of the vehicle, you simply never know what might happen. You also might want to look into plans that provide work loss, death or funeral benefits.
*If you plan to travel across the border make sure your coverage is still good. Many plans won’t cover you in foreign countries.
*If you live in your RV, make sure you have some sort of emergency expense coverage in case your home is destoyed or severely damaged. These emergency expense plans will help you pay for another place to live while you get your RV fixed or look for another home.
*Don’t forget the roadside assistance! Especially if you travel in unfamiliar territory.