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RV Insurance<br />
By: Jim Valkenburg / Insurance Insight<br />
There are many types of RV’s and in this<br />
article I will address both the motorhome<br />
(self-contained motorized vehicle) and the<br />
various trailers, including conventional travel<br />
trailer, fifth-wheel, pop-up and mounted, all of which I will refer to as<br />
“trailer.”<br />
RV insurance is, in my opinion, the best method to insure your<br />
trailer or motorhome versus adding it to your auto policy. If added to<br />
your auto policy, you will get the same liability, uninsured motorist and<br />
medical coverage if you have a motorhome.<br />
RV’s can cause considerable damage to other vehicles or property so<br />
I would recommend high limits. It provides all the normal coverages<br />
of a typical auto policy such as uninsured motorist, medical payments,<br />
comprehensive and collision coverage.<br />
RV insurance is<br />
designed to provide<br />
more comprehensive<br />
coverage that is<br />
tailored toward the<br />
specialty needs of<br />
the RVer! If you own<br />
a motorhome, it is<br />
registered just like a<br />
personal vehicle and<br />
must have liability coverage.<br />
However, an RV policy can give you so much more. Some of the<br />
extras carriers offer are:<br />
1. Replacement coverage – If you purchase a new RV and it<br />
is totaled in the first 4-5 years, you would be able to purchase a new<br />
model year of comparable quality.<br />
2. Personal Effects coverage – This is for all the personal items<br />
not attached to the RV which could include furniture, linens, kitchen<br />
items, clothing etc. Policies typically come with $1,000 deductible but<br />
you can raise the limit much higher.<br />
3. Emergency vacation expense - If needed, this would<br />
normally pay up to $750 for transportation or living expenses if your<br />
RV is damaged.<br />
4. Roadside assistance – An RV policy can provide more coverage<br />
than a limit such as $50-$75 on an auto policy. Motorhomes and<br />
trailers are expensive to tow to the nearest facility - especially if you are<br />
camping away from civilization.<br />
5. Vacation liability – This is like personal liability found in your<br />
home policy. If a guest or visitor is hurt while you are camping, your<br />
RV policy can respond. The typical limit is $10,000 but can be increased<br />
with most companies.<br />
Happy trails!<br />
Jim Valkenburg is a retired military officer and insurance executive.<br />
He and his wife owned and operated their own insurance agency for<br />
over 16 years. His primary purpose is to give out real information<br />
that can be used to make intelligent insurance decisions.<br />
The <strong>Vegas</strong> <strong>Voice</strong> on the Air!<br />
The <strong>Vegas</strong> <strong>Voice</strong> proudly kicked-off its monthly video podcasts.<br />
Entertainment editor Evan Davis will host our “Celebrity<br />
Corner” and publisher Dan Roberts has the same duties for “Our<br />
<strong>Vegas</strong> <strong>Voice</strong> Family” and “Senior Business” segments.<br />
To now “see” The <strong>Vegas</strong> <strong>Voice</strong> and to catch the latest podcasts, visit<br />
our website: thevegasvoice.net.<br />
Pictured: Evan interviews the beautiful, talented Sandy Kastel<br />
while Dan does likewise with the equally beautiful nightlife editor Sam<br />
Wagmeister.<br />
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