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RV Insurance, Rising Costs… and How You Can Save

Every driver across the United States has some kind of car insurance policy. Homeowners within the country have insurance policies to cover their homes in the event of something happening to their homes. Though, if you have an alternative investment like a recreational vehicle, is it the right choice to get an insurance policy to protect it?


According to many industry experts, the answer is actually yes. Even though some people find a recreational vehicle insurance policy superfluous or, in other words, unnecessary doesn’t mean that it’s not an insurance policy that’s needed to protect the vehicle as an investment. Because, it actually is.


Recreational vehicle, otherwise known as RV insurance, is known to provide insurance coverage for motor homes, travel trailers, campers and even horse trailers.  Many recreational vehicle insurance policies provide different coverage options to insure the vehicle, its driver and any associated third parties from occurrences that may take place.


In Florida, there’s a wide contingent of recreational vehicle owners, which is in part to the relatively open climate and coastal nature of the state. Due to this, there are many Florida RV insurance providers who can help you find a plan to best suit the needs of your vehicle and yourself.


With the right RV insurance coverage….


Floridians who happen to own recreational vehicles are in luck. Why? It’s because recreational vehicles that are primarily used for personal recreational use are actually able to be insured for up to 250 days per year. This pretty much allows anyone – even across the United States – to travel down south to Florida and enjoy the state’s warmer fall and winter weather.


That’s not the only thing that’s covered under a good recreational vehicle insurance policy in Florida. Any policy that’s worth it’s weight in gold will have liability coverage for:


  • Bodily injuries (first party and third party).
  • Property damage.
  • Medical payments (first party and third party).
  • Uninsured coverage (for uninsured drivers and vehicles).


Ultimately, the type of liability coverage that’s best suited for your recreational vehicle generally depends on the provider that you’re looking for—luckily there’s several dozen in Florida.


Many recreational vehicle insurance policies, too, feature both comprehensive and collision coverage options. You can also determine how both options will become settle in the event of a covered total loss. These options generally appear as a stated value (the market value of the vehicle), the agreed value (the insured amount, despite market value) and the replacement cost (the cost of replacing the entire vehicle).


To round off that list of potential options, some Florida RV insurance providers may provide vacation liability coverage if and when you start using your vehicle as a temporary residence when on the road. From there, RV insurance providers can even customize your policy down to including additional coverage options for physical damage in certain locations!


Of course, any good vehicle insurance policy will have some kind of roadside assistance coverage option, keeping you and your vehicle covered 24/7 when you suffer from an accident or breakdown on the road. Many RV insurance providers, today, will even allow you to upgrade your roadside assistance coverage to include coverage for transportation, lodging and meal coverage.


To top all of this off – and so you know when you’re looking – recreational vehicle insurance can also include what’s known as personal effect coverage. This helps cover the costs for the damage and/or loss of items that are normally used in conjunction with your recreational vehicle. With coverage options like these, there’s no way that you and your recreational vehicle won’t be adequately covered this fall and winter season.


Looking out for recreational vehicle coverage?


Yes, I know… the fall and winter season in Florida is actually mild in comparison to the winter wonderlands up north. Though, that doesn’t mean that RV owners don’t have the opportunity to save as much as their wintry counterparts.


Let’s take a look, shall we?


Let’s take a look at what you’re missing from your RV insurance policy. Even though we described – in loving detail – plenty about your standard recreational insurance policy, it’s likely you won’t hear about half of this information when you’re waiting on your insurance agent to give you more details.


Did you know that there are some things about your recreational vehicle insurance policy that’s omitted? Things such as additional coverage options or even how your rates may add up all the time. To start, none of these things have to be a complete secret, as long as you establish a great relationship with your insurance provider from the start.


But, you can save money – even this fall season – by paying close attention. Here, we’re going to take a look at a few tips provided by a trusted RV insurance resource to exemplify what parameters you should look out for if you’re going to save money this fall and winter season.


Save money by storing your RV… but where?


Storing your recreational vehicle during any of Florida’s stormy weather seasons is always a great idea. Though, did you know that there are certain factors that can affect the cost to store a recreational vehicle? The area, the crime rate, weather occurrences and many other factors can affect how much your recreational vehicle insurance may cost. Thanks to this, it’s suggested to talk to your insurance agent about the factors that may affect the cost to store your vehicle.


Recreational vehicle or functional motor home?


Most, if not all, recreational vehicle insurance policies provide enough coverage for taking the vehicle on the road. If you were to stop driving your recreational vehicle, you’d have to get coverage from your current insurance policy that correlate with the needs of your stationary vehicle. Again, discuss potential ‘motor home’ options with your insurance agent to get a better perspective on your options.

RV Association memberships have their perks.


Did you know that registering a membership at an RV association can potentially earn you discounts on RV insurance? Not only that, but you can also potentially get charged less at RV parks and various other institutions associated with RVs. So, if you already have a membership with a known association, it’s a great idea to discuss that with your insurance agent.


Raise your deductible—and reap the lower rates.


Check with your insurance agent about the true threshold of your monthly payment, or in other words, how much you can actually pay per month. Such a discussion entails raising your deductible on your insurance policy, which has the direct effect of actually providing a lower monthly insurance rate. You could, if discussed with your insurance agent, potentially pay less on your RV insurance than you think you’d pay.



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