Buying a new or used RV is a major investment. To help protect your investment you need the proper type of insurance coverage. There are several major insurance companies that specialize in RV insurance and I strongly recommend that you use one that does specialize in RV’s. You might have a great insurance company for your home and automobiles, but an auto policy can’t begin to cover the complexities of an RV. You need specialty coverage like vacation liability, total loss replacement, personal effects and much more.



There are a number of specialty coverage’s available, designed to protect you and your property. Specialty RV coverage’s are what differentiates RV policies from auto policies. Adding your RV to your auto policy is

How To Choose The Best Golf Package Vacation
...it is still wise to plan your getaway with your family. You always should take advantage of discounts that are being offered by these destinations. There are still a lot of companies that offer great discounts or freebies when you ...
inadequate because it fails to cover many of the provisions included in a specialty RV policy. For example, most RV insurance provides coverage for awnings, furniture, permanently installed items and fixtures, and plumbing and electrical systems unique to RVs.


Typical RV policies also provide unlimited towing and roadside labor coverage. Auto policy towing coverage is often inadequate for RV expenses. With most auto policies, the towing reimbursement is usually on a per occurrence basis. Because the fees to tow an RV or to change an RV tire are much higher than the same for an auto, these fees often exceed the per occurrence limits on an auto policy.


Another consideration for RV owners is that they get the benefit of specialized claims

Thailand - The Land of Smiles and Cheap Travel
...can be extremely stressful while trying to get around in Bangkok and gloriously relaxing while laying on practically any of the beaches that populate the coast of the country. Regardless of the situation, the Thais have a habit and custom ...
service when they choose to insure their RVs with specialty RV insurance as opposed to having RVs put on auto policies. The adjusters assigned to claims by insurance companies with specialty RV products usually have expertise with RVs, losses to RVs, and settling the value of the loss. Let’s take a look at some more of these specialty RV coverage’s available to you.



  • Diminishing Deductible - Under this coverage your physical damage deductibles could be reduced 25% for each claim free year you have with the company. After four claims free years, your deductibles would be $0. Any comprehensive or collision losses would reset the deductible.
  • Emergency Vacation Expense coverage - is also unique for specialty RV policies. This provides coverage to
    Golf Equipment - The Most Expensive Is Not Always Correct For You
    ...you are a total beginner. Some people starting out in the golf world have more money than sense. At the start of every golfing year (generally in March) you see new members on the first tee with thousands of dollars ...
    pay for temporary living expenses if your RV is inoperable due to a covered loss and you are more than 50 miles from your home.
  • Vacation Liability - Provides campsite liability for you while you are using your recreation vehicle as a vacation residence. For example Vacation Liability could cover damage caused by your campfire if it gets out of control or if you accidentally hit someone with a horseshoe.
  • Fulltimer’s Coverage’s - This is very important coverage to insured’s who use their RVs year round as their residence. There are three Fulltimer Coverage’s available:


    *Fulltimer’s Personal Liability - This provides personal liability type coverage to fulltime users of RVs, which usually equates to five or more months of use per year. This
    Golf Vacation Schools
    ...no worries just you and the golf course.Golf vacation schools give you the perfect opportunity to work on your swing while taking a break from work. You can enjoy your grand golf vacation either with friends or family members who ...
    coverage is even available to individuals who do not own their own home, and is similar to the personal liability coverage on a homeowner’s policy.


    *Fulltimer’s Secured Storage Personal Effects - Many fulltime RVers keep some of their personal property in storage. With this option, the insured can get coverage for these items in storage. Typically, the insured will have to create a schedule of these items, and the insurance company will have specified limits for the value of this personal property.


    *Fulltimer’s Medical Payments - This option provides coverage of medical expenses resulting from an accident that occurs while the vehicle is used as a permanent or primary residence. Insurance companies will likely require that the insured also has Fulltimer’s Personal

    Golf Club Fitting
    ...when you get a golf club fitting. You can fix a slice, correct a hook, or just have a more comfortable game, all with a custom golf club fitting.The first thing that will be considered at your golf club fitting ...
    Liability coverage in order to qualify for medical payments coverage.


    • Note: Many insurance policies contain exclusions for using your RV as a permanent or primary residence. Often the Fulltimer’s Liability endorsement removes these exclusions from the policy. In other words if you are a fulltimer and do not carry Fulltimer’s Liability you may be subject to policy exclusions.



  • Personal Effects - provides coverage for loss to personal belongings used in conjunction with the RV.
  • Mexico Physical Damage Coverage - Provides comprehensive and collision coverage for the insured vehicle while traveling in Mexico. The insured is required to purchase Mexican liability coverage too.
  • Mexican Liability Coverage - While most RV insurance provides physical damage coverage while traveling in Mexico, it does not provide Mexican
    Golfing The Front Nine At Crooked Creek Near Lincoln, Nebraska
    ...is a 5, so this is the 5th hardest hole on the course. This may be due to the fact that normal winds would be from the south, so you would be hitting into that wind. Today, there is not ...
    Liability Coverage. When traveling in Mexico by auto or RV, you must have Mexican Liability Coverage from a Mexican Insurance Company, which you can buy from US-based brokers or at the border.
  • Schedule Personal Effects Coverage - Provides coverage for the loss of expensive personal belongings used in conjunction with the RV. The insured must have appraisals for these items.
  • Adjacent Structure coverage may be available for storage sheds, screened rooms, or carports on owned or rented lots. In addition, you may be able to get coverage for roadside assistance, a utility trailer, a golf cart, or scooter.


    • Hopefully this helped explain why it’s important to insure your RV properly. Your RV insurance can and should fit your RV. I recommend going

    Discount Golf Apparel - How To Find Discount Golf Clothes for Women And Men
    ...sport, fashion on the course took front and center and the attire made the player. Tightly pressed knickers, Argyle sweater vests, and knee-high stockings were found everywhere yet they really did not offer much in the comfort department.During the 1970’s ...
    to http://www.explorerrv.com to get a free quote with no obligation.


    Happy Camping!


    Copyright 2006 by Mark J. Polk owner of RV Education 101


    RV Expert Mark Polk, seen on TV, is the producer & host of America’s most highly regarded series of DVD’s, videos, books, and e-books. http://www.rveducation101.com/


    Sign up for your free “RV Education 101″ Newsletter http://rveducation101.com/email/