RV’s are not just for the retired. Families of all shapes and sizes are getting in on the action and seeing what the great outdoors has to offer. In fact, RVing has gained such popularity that even younger couples are trading in their white picket fence and cubicle for an RV and laptop. Looking for a new RV is such a fun experience. Looking at all the different models, layouts, and colors are about as much fun as actually getting it out on the open road and exploring. Most dealerships will even let you make customizations and add on equipment. You can turn these rolling homes into a castle on wheels if you wanted to, and some people do. Especially those who live in them full time.  And with such a hefty investment, you want to make sure that your insurance helps protect it. The ideal way to obtain that assurance is with an RV insurance policy.

 

RV Insurance Helps Protect You As Well

Many first time RV buyers are under the impression that their auto insurance will cover their RV. And it may provide some, but only if you are pulling a travel trailer or fifth wheel and even then, it’s limited coverage. The benefits of an actual RV policy are that it’s like an auto policy providing you with coverages like:

 

• Property Damage
• Bodily Injury
• Collison & OTC (other-than-collision)
• Medical Payments
• Uninsured Motorist

 

You can also add other coverage that would help protect you like a Homeowners policy, which is great especially if you are a full-timer. Even if you only get it out on the weekends, you can benefit from coverages like Vacation Liability or Travel Expense. With RV insurance the premiums are determined by factors such as the class of the RV, if you are in it full time or not, and your driving record. The limits and the optional coverages you choose will also have an effect.

 

 

Customize Your RV Without Increasing Your Insurance Quote

While it may sound tempting to upgrade to custom cabinets or put an upgraded water filtration system, not only does it cost more up front, but you will pay for these upgrades in insurance dollars as well. Sure, there is some money available for custom mods and equipment, but policies only include a $1000 worth of coverage. Those custom solar panels will eat that up pretty quick. Instead, try one of these ways to personalize your RV without breaking the bank.

 

 

• Choose a pop or highlight color to use throughout the RV. Pick a color that compliments the textiles already in the RV and a color that you enjoy. You can then use this color throughout by purchasing decorative pillows, throw blankets or other accent pieces. Don’t worry. These items will be covered under your personal property coverage if you have added it to your RV policy.

 

• Create a bedroom you can’t wait to sleep in. Whether you are a full-timer or an occasional weekend road warrior, a beautiful place to sleep makes all the difference. After a long day, you want your bedroom to be your sanctuary. Invest in a cozy mattress topper, quality sheets, and a fluffy comforter. You want a place that you will wake up feeling refreshed and ready to take on new adventures, and these are easily added and wont cost a penny more in premium cost.

 

• Add some personality. Let your RV reflect your personal style, select wall hangings or frame some family photos to remind you of those you love on your travels. Adding a little bit of your personality will liven up your space without increasing your insurance or breaking your budget. Just be sure to use those handy adhesive squares or Velcro for putting your art up. But don’t overdo decor like figurines or other counter decorations. You’ll have to find a place for storage when not in use and, you don’t want to worry about things rattling off while in transit.

 

However, if you see an upgrade or add-on that you think would enhance your RV, add it. Again, your policy may have a limit set aside for it, and if not, you can always add coverage for it.

 

Final Thoughts

We know your RV is a financial and emotional investment for your family and we want to make sure that we help insure that investment  with the right RV coverage. It’s also vital that you are safe when you are on the road, follow these steps for a successful road trip.

 

To learn more about RV insurance and how we can help protect your investment contact our team at www.protectiveagency.com  or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you may have.