My Top Camper Insurance Tip

The Resource Center can customize your policy with valuable protection, whether you are “docking” or “glamping” in your RV or camper.  In this video, I review some popular coverages and endorsements for RV, pull-behind camper, pop-up camper, and 5th wheel.

With so many new camper owners in the past few years, I have visited with several people recently who aren’t sure how the policies work.  I recommend purchasing insurance before you leave the sales lot.  Some companies add the camper onto your auto policy, or even onto your homeowners policy.  However, I would strongly advise against adding it to your homeowners.  If you are in a situation where you would need to file a claim it would go against your homeowners deductible which is most likely a higher dollar amount. You are in much better shape if it is insurance as a stand-alone policy.  

Another point for a new owner is getting used to driving a large vehicle or trailer.  A good place to practice is an empty trailer in a large parking lot.  Some dealerships or clubs may offer training classes.

My Top Rv and Camper Insurance Tip

Don’t skip the roadside assistance.  After working hard and spending all the time packing, don’t have your trip delayed by a flat or problem on the side of a mountain.  

Loss Settlement Options

Replacement Cost

Total Replacement on any camper that is 6 years or newer.  Replacement cost means the insurance company will reimburse you for the cost to purchase a new camper of the same or  similar make and model

Agreed Value

An Agreed Value Replacement coverage would start with paying a premium for a set value ($) of your RV or camper, within the insurance companies’ guidelines.  If a loss would occur the insurance company would pay you the amount of the agreed value.

Actual Cash Value

The Actual Cash Value Replacement option includes the cost of wear and tear and depreciation, where the insurance company would deduct those costs from the amount of the reimbursement for your damaged camper.  

 

Endorsements and Optional Coverages

• Extended Roof Replacement covers the replacement of the entire roof, not just the damaged area.
• Vacation Liability includes liability coverage on the premises of your RV, in the event a friend or visitor gets injured while visiting.
• Pet coverage provides a death benefit if your cat or dog is injured or dies in a collision while in the RV.
• Pest Infestation coverage includes damage to your rig from mice, terminates, and squirrels.  Chewing of water or fuel lines could be especially unfortunate to discover when you are days away from a trip.
• Rental coverage is for if you don’t own an RV or camper but you would like to rent one for a trip.  Many rental companies offer additional insurance through their carrier, much like a rental car.  But talk to your agent to see what your options are before you take your trip.

 

At The Resource Center we can write Rv and camper insurance with Safeco, Auto-Owners, Nationwide, Foremost, Travelers, and The Hartford.  There are several discounts available for RV insurance.  Click here for more info.  

As an agent, I try to teach my clients about the coverage options available.  I discuss with them what they need to have by law and then offer recommendations specific to their situation.  I would love to talk to you about how our insurance options could benefit your family.   Give me a call at 417-882-1800 or send me a message on Facebook.  I can also be reached by email at john@resourcecenterinc.com.

 

 

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