Suncoast RV Insurance Coverages:
The TLR RV Insurance Coverage is a major difference between a standard auto insurance policy and a specialized RV insurance policy. With TLR RV Insurance Coverage, if your RV is totaled, the insurance company either replaces your RV with a new one or pays the initial RV purchase price, depending upon the age of your RV unit.
The Diminishing Deductible RV Insurance Coverage is designed to reward good drivers by reducing comprehensive and collision deductibles by 25% for each claim-free year. If a loss occurs after four-claim free years, you pay no deductible on your claim.
Without a homeowner’s policy, RVers who live in their RVs full-time are left with major exposures, personal liability and additional living expenses. Stored personal effects coverage are included in RV specialty policies to protect the RV full-timers’ unique needs. The Full-Timer RV Insurance Coverage offers liability coverage similar to homeowner’s insurance when the RV is parked and is used as a residence. This coverage includes emergency treatment and medical expenses for others injured in or around your RV.
Emergency Expense RV Insurance Coverage provides optional protection which pays temporary housing expenses when a covered peril disables your RV. This insurance coverage also pays the cost to get you and your RV - back home in peace.
Vacation Liability Coverage is a Premises Liability RV Insurance Coverage that protects your RV against accidents that may happen on campsite while your RV unit is parked at an RV park.
You won’t need a separate service plan if you add this optional coverage to your RV insurance policy. Whether your RV breaks down, you run out of gas, or you simply lock yourself out, call the roadside assistance toll-free number for assistance.
Personal Contents Coverage covers personal property such as houseware, tools, clothes and sporting goods. A homeowner’s policy may provide insurance coverage but there are often limitations to coverage for off-premises property, items in storage or belongings damaged in a collision. RV specialty policies replace stolen or damaged items at their full replacement cost. Auto insurance policies usually cover a limited amount of content in a vehicle. RV insurance policies give you the option to specify a limit to include all of your personal belongings destroyed by most events.
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Agreed Value Coverage is offered for classic coaches and bus conversions that don’t have a standard market value. With a bill of sale or qualified appraisal, you can lock-in the coach’s value up front.
Experienced RV Claims Handling While you may never experience a serious loss with your RV, RV specialty insurance companies give you peace of mind knowing that your claim will be handled by professionals with RV experience and not mere standard auto adjusters.
Add-Ons and Tow Dollies Included Most RV specialty insurance policies automatically cover items like awnings, antennas, external racks and satellite dishes for no additional charge. Additionally, tow dollies and trailers are often included in coverage. Tow Dolly Coverage. Full coverage policies automatically receive $2,000 in coverage; purchase additional protection if you need it.
Emergency Travel Expense If your RV is incapacitated due to a covered loss, most RV policies cover the cost of a rental car and/or hotel room while your RV is being repaired. If your RV is totaled, the policy can cover airfare to return you to your family home. The Emergency Travel Expense policy reimburses expenses related to living outside your RV while it is being repaired, as long as the covered loss occurs a set number of miles from your fixed residence (usually 50 miles). Common expenses covered are lodging, meals and travel back home.
Campsite Liability RV specialty policies accommodate the unique risks involved in your RV lifestyle. If someone is injured at your campsite, your liability exposure is covered up to policy limits. Similar to fulltimer liability, but designed for short-term vacationers.
Mexico Coverage Going across the border? Add this optional coverage to your policy for physical damage protection while in Mexico.
A Variety of Discounts Be sure to ask about all discounts offered by an RV specialty insurance carrier. Memberships to an RV Club, supplemental braking systems or completion of a safe driving course are just some of the discounts available on a state-by-state basis.
How Do I Find an RV Specialty Insurance Provider?
There are a variety of ways to find the RV specialty provider, best-suited to match your needs. Suncoast RV can put you in touch with some of the premier national insurance companies that specialize in insurance coverage for RV owners. The specific coverage you purchase may vary slightly from the descriptions listed above. Your policy is your contract so be sure to read it carefully.
Protect yourself by properly insuring both your investment and RVing lifestyle with RV specialty insurance.
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