Motor Home Insurance Questions
Spring is slowly making it's way here and before you get out on the open road, make sure you have the correct coverage for your recreational vehicle (RV). It's a good idea to consider specialized coverage for your RV.
Here are top questions for you to ask your agent or broker when you are deciding what coverage to purchase for your RV.
Is my optional equipment covered? Awnings, air conditioners, satellite dishes, LP tanks and bike racks can all be damaged, so ask if these things are covered by your policy. Be sure to discuss whether the coverage applies only to originally affixed equipment or if it includes equipment that you attach after purchasing your RV. A good policy will give you a set amount of coverage included with your comprehensive coverage.
What type of coverage is best for me—Replacement Cost or Actual Cash Value? Replacement cost coverage protects your motor home from the effects of depreciation and usually isn't available with an auto policy. With a Replacement Cost policy, if your new-model motor home is destroyed within a certain period of time after purchase, the insurance company will replace it with a brand new one of similar kind and quality. If your motor home is destroyed and you only have an Actual Cash Value policy, which is typically what you'd get with an auto policy, you will only be paid the current value of your motor home.
What payment plans are available? Whether you want to pay in full or in installments, having the flexibility to choose is an important option. Talk to your agent or broker. Insurance companies offer many different plans such as one-pay, four-pay or ten-pay options.
Is towing or roadside assistance available? Towing and Roadside Assistance is a great coverage to have if your motor home or travel trailer breaks down and can include towing, jump starts, roadside service, flat tire changes, fuel delivery and locksmith services.
Simplified Insurance Agency – Insurance Made Simple!
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· Phone: (561) 672-7897
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