Recreational Vehicle Insurance Policies: What You Need To Know

Recreational vehicles are an exciting way to travel cross-country without dealing with the hassle of flying or the cramped quarters of a car. If you long to experience the open road in your recreational vehicle but are concerned about getting specialized motor home insurance, let Tri-Star Insurance Professionals Inc. in North Dallas, Plano and Frisco find you the perfect package that will fit all your RVing needs.

The amount of coverage you will need on an RV insurance policy depends on several factors and differs by state. Whether or not you want to protect your vehicle, family or both will play an integral role in the type of policy you will get.

RV coverage to protect your vehicle includes:

• Collision coverage
• Towing and Labor
• Gap coverage
• Permanently attached items coverage

RV coverage to protect you and others includes:

• Uninsured and underinsured drivers
• Medical expenses
• Personal valuables coverage

There is a distinction between a standard automobile policy and recreational vehicle insurance even though you can use the auto policy on an RV. Motor home insurance will cover parts of the vehicle such as the awnings, slideouts and stairs that an auto policy will not cover at all. If you have a towable camper you will need a separate policy altogether, although some insurers will combine it with an RV policy. In order to get an accurate quote, furniture, appliances and other personal items should be appraised beforehand.

Even if you think having an extended warranty on a recreational vehicle may be enough coverage, you may want to consider an actual insurance policy. A warranty will cover engine repairs and appliances but not accidents. Tri-Star Insurance will give you all the information you need to make a smart decision.

The cost of a motor home insurance policy will vary depending on the make and model of the RV, the total value of the vehicle and how many additional drivers will need coverage. The driving history of the principal driver is also an important factor. Naturally drivers with a large amount of tickets and accidents on their record will pay more. As different states have various requirements for RV coverage, the primary location of the motor home will affect the cost as well. When everything is taken into consideration, a good policy will offer complete replacement of an RV less than five years of age that is totaled in an accident. For an older model, you should be able to get back the purchase price.

The amount of time you spend in your motor home also is important when choosing the right policy. Fulltimers, people who claim their RV as a primary residence, will need the same type of coverage as any homeowner. This includes property protection for the space in and around the vehicle. At the opposite end of the spectrum is suspension of coverage which is perfect for people who only venture out in their RV a few times a year and only want to pay for coverage when they need it.

When you leave the North Dallas, Plano and Frisco area on your RV adventures, don’t forget that Tri-Star Insurance is waiting back home. Have a great time with your family without worrying about what may happen while you are traversing across U.S. highways. Call 214-387-0600 or toll-free at 1-800-880-4600 today to find out more about motor home insurance and the coverages available.