AllRisk Auto Insurance, LLC Blog
A recreational vehicle or RV is popular for those who have a jet-set lifestyle. If you're one of the millions of seniors who want to experience life on the road, getting an RV is a great choice. But, aside from the RV itself, you need to have RV insurance too.
Generally, insurance protects you from unexpected expenses that may arise. Thus, when traveling in your RV, it is good to know that you're protected.
Why do you Need RV Insurance?
Insurance is critical because an RV is an investment. It combines living and transportation. Besides, RVs are filled with personal belongings. You might even have your important documents in your RV.
That's why you have to get insurance for it. Doing so will protect not just the RV but also the items you have in it.
How to Get RV Insurance?
Like regular auto insurance, agents will write your RV policy. For older RVs, extended auto insurance may be enough. But, if you will use it regularly, RV insurance is the best choice. In choosing one, make sure that it covers the RV as a vehicle and home-on-wheels. You can also add replacement cost coverage in case of total loss.
Aside from coverage, you need to choose a company that has access to smaller areas. National companies are a good option. They have access to local support wherever you might travel.
Having enough insurance as an elder provides these benefits:
You can also add an RV Replacement for accidents or theft. Ask your agent if the policy includes Actual Cash Value (ACV). Check also Agreed Value, also known as Total Loss Replacement.
ACV is the market value of the RV as decided by a third party. Agreed Value means that the company agrees to an amount up front for you. While the TLR means the company will provide the insured with a replacement if your RV is lost or stolen when it is under 5 years old.
If you haven't already, secure your RV insurance today. It will save you from the unexpected costs of maintaining your RV. It will also help protect you from an accident that may happen along the way. With RV insurance fit for your lifestyle, you're guaranteed to enjoy your road trips.
At AllRisk Auto Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE.