RV Insurance and the Toy Hauler
Here is what you
need to know when buying RV insurance. Why you need insurance and
what’s available. I will touch on
the special needs of the Toy Hauler, from the industry we love to dislike.
RV Insurance should be on your check list of things to
investigate when choosing a Toy Hauler. While a trailer may not require much of
an insurance investment, a Motor Home will be quite expensive, and the cost will
vary substantially depending on your driving record.
Special needs of the Toy Hauler include:
Having an
onboard fuel station increases the risk of fire and the fuel tank
will magnify the intensity of that fire if should one start. Make sure your insurance
carrier is aware of this. There is nothing worse than having a claim denied
because the carrier was not, properly informed of the unique features that your RV
has.
Jerry's Law: Protect
Thyself and Thy Toys from loss.
Do not make the mistake of assuming that the contents of your Toy Hauler
are fully insured just because you have a policy for the RV. There are usually
dollar limits on the loss of contents in an RV. And worst of all your Toys may not be covered
at all. Again, see Jerry's Law above. Be sure your carrier knows what you needs
are.
In addition to the usual coverage, make sure you have theft coverage, as
many of our toys are highly sought after by thieves. Many a playground vacation
has been ruined by the theft of our treasured toys. Why add the grief of knowing
they were not insured?
I’d look first to my auto insurance policy carrier for an RV insurance
policy. In my case State Farm. My agent knew my situation and quickly covered my
insurance needs with very minimal fuss.
If you have special needs or
have that big bucks unit to insure, I strongly
recommend that you shop around. Many of the best carries will give free online
quotes. I know they can be a pain to fill out, keep in mind−the more you save
the more you PLAY!
Another way to go is joining an association that offers insurance at a
discount to their members. I would hint that you should choose only big names, a
couple that come to mind are the
Good Sam VIP program and the
Family Motor Coach
Association (FMCA). They’ve been around a long time and will likely be there
when you need them.
The bottom line? Make sure your %$$
and your toys are covered.
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