RV Insurance Checkup

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rv insurance checkup

If you are a fan of RV camping, there may no better spot to live than Las Vegas, NV.   Within 3 to 4 hours in every direction, we have incredible places to camp and sightsee. To the west, we have Dumont Dunes, Death Valley, Yosemite and the coast of California. To the South, we have the Colorado River and Glamis Dunes. To the North and East, we have the Grand Canyon, Southern Utah including Cedar Mountain, Canyonlands, Bryce, and Zion. The beauty of Northern Nevada is also not to be forgotten including Ely, Great Basin National Park, and the Jarbidge Wilderness. No matter what your interests, you can find great camping just a short distance from Las Vegas. Before you hit the road for a camping trip, consider an RV insurance checkup.

RV Insurance Checkup

Having an RV means you should also purchase an insurance policy designed specifically for your motorhome, travel trailer or 5th wheel. Many RV owners simply add their RV to an existing auto insurance policy. This is a terrible idea! Auto insurance is not designed to provide the specialized coverage that an RV policy provides. For example, RV owners should consider the following coverage:

  • Bodily injury and property damage:  similar to auto liability, provides coverage for accidents that occur while operating the motorhome.
  • Emergency vacation expense:  provides coverage (up to $2,000) for lodging, meals, and transportation if your RV is damaged during a trip.
  • Vacation liability:  coverage for bodily injury or property damage while your RV is used as a temporary vacation residence (not in motion).   Up to $500,000 of coverage can be purchased.
  • Full-timers package: provides “homeowner-like” coverage for anyone using their RV as a primary residence.
  • Diminishing deductible: provides a reduction in the physical damage deductible for each year you are claim-free until it reaches $0.
  • $0 Windshield deductible: separate from your regular deductible, you can purchase a $0 deductible for motorhome windshield replacement.
  • Mexico Liability and Physical Damage:  if you plan on crossing the border, make sure you have coverage extended for
  • RV Contents coverage:  coverage for loss to the personal property in your RV from theft, fire, etc.
  • Agreed value physical damage:  pays a specified amount for your RV in the event of a total loss, rather than depreciated actual cash value.

At Safeguard Insurance, we offer RV insurance with several different A-rated carriers including Progressive, Nationwide, American Modern, Safeco, and National General. We have the ability to find you the perfect policy at a price you can afford.  Contact us today to get a no-obligation proposal on your RV insurance or a free RV insurance checkup.

Related Products: Recreational Vehicle Insurance

Photo by Blake Wisz on Unsplash

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