RV Insurance Quotes
Taking to the open road in your own fifth wheel or motor home is a dream held by many. Once you have found your perfect castle on wheels, the most important next step is to research your RV insurance options. Insuring an RV is a bit more complicated than putting coverage on the family sedan but doing a bit of homework on the subject can make it almost painless when buying RV insurance.
It is generally less expensive to insure a fifth wheel trailer than most motor homes. Even considering that the tow vehicle also needs to be insured, some of the bus sized Class A motor homes that can cost several hundred thousand dollars usually reflect higher premiums. In either case, RV insurance policies are more like home owner policies. They generally include personal liability, property damage and injury coverage that is valid on the road and while parked.
RV insurance coverage can vary with the age of your rig. Total replacement cost is normally offered for RVs five years old or newer. Older rigs can expect a payout policy covering the original purchase price. Make sure your accessories are covered. Take the time to shop for a policy that includes coverage for air conditioners, satellite dishes and awnings; these are easily damaged and can be expensive to repair or replace.
Be sure your policy has some type of roadside assistance. Check and make sure the companies contracted to provide that assistance have mechanics that are familiar with and have the right equipment to service and/or tow an RV. It is also good planning to make sure such roadside services are available in the areas of the country you plan on visiting. Shop for a policy that offers emergency expense reimbursement for hotel and vehicle rental costs. This type of policy is intended more for vacationers, but it is possible to find full timer coverage. Start saving today by receiving multiple RV insurance quotes.
