Today’s top RV models possess more luxury and accommodation than ever. The most luxurious RV’s are filled with decadent furnishings, state of the art technology, and every convenience of home. Have you ever considered, however, that your auto insurance may not offer you the best coverage to protect this luxurious investment? Speak to your insurance agent in Scottsdale, AZ about specialized RV insurance.
When choosing the best RV insurance coverage for your investment, make certain to consider these five key tips so that your policy protects you from unforeseen difficulties.
Roadside Assistance and Towing are fabulous benefits to have for any automobile. The sheer size of your RV, however, makes such coverage absolutely necessary. Additionally, towing an RV will cost you approximately three times that of a car. Most RV insurance that offers roadside assistance and towing will also pay for your alternate housing while your RV is fixed, and most will pay for your RV to be towed back home if you are more than 50 miles from home.
Having a specialized Scottsdale Insurance Agent service is essential for RV’s that have been involved in an accident. If your RV is covered under your auto policy, an insurance adjuster will of course come out to evaluate the damage for repair costs. If you have specialized RV insurance, however, you will have an adjuster who is well-versed in RV’s so the evaluation of your vehicle’s damages will likely be more precise.
Owners of totaled or stolen RV’s that are on an auto policy are usually compensated for their loss with the Actual Cash Value (ACV) as determined by a third-party. Fortunately, RV policies generally offer some options to the policy holder. You could choose Agreed Value coverage (the insurance company agrees up front to the price they will pay if your RV is totaled or stolen) or Total Loss Replacement Coverage (guaranteeing to completely replace your RV if it is younger than 5-years-old).
Personal property stolen from an RV covered under an auto policy is not protected. RV policies will reimburse you for items that are used in conjunction with your home away from home.
Personal liability is still an absolute must when you are out on the road with your RV. You meet so many wonderful people while you are travelling in your RV, but if one of them is injured while they are in your RV, you could be held liable. Auto insurance will not protect you from such an event, but RV insurance will. Plus, such coverage may also provide Vacation Liability coverage will pay up to its limits for any injuries caused by an accident while you are vacationing in your RV.
RV’s are one of the most freeing vehicles you possess. Nothing else allows you to see the beauty of the country while still offering you the comforts of home. You love the memories that you have while journeying in your RV with those you love, and you deserve to protect those precious times. Don’t overestimate the protection that your auto insurance policy will offer your RV. You need a policy that is specifically designed for this very specialized vehicle.