Medium-duty truck coverage

As fifth wheels, travel trailers, and horse trailers are getting longer, larger, and heavier, a typical pickup truck becomes less safe and less capable of pulling the weight. As a result, medium-duty trucks are becoming more popular in the RV and equine cultures.

To Read more click here.

Understanding the Specialty RV policy vs. a Typical Auto Policy

 The RV lifestyle is experiencing tremendous growth, especially as the Baby Boomers increasingly flock to the freedom of the RV lifestyle. In previous articles, we covered the foundation of specialized RV coverage with the depreciation protection coverage options. We have also talked about full-timers’ coverage as well. Let’s now cover other coverage options available on a RV specialty policy that is generally not available on a standard auto policy.

The following are descriptions of specialty RV coverages that Explorer Insurance Agency is able to offer.
Emergency Vacation Expense coverage is an option that reimburses out-of-pocket expenses that occur when an RV is out of use due to a covered loss.
 
To read more click here.

Specialty RV Coverages: Total Loss Replacement, Purchase Price Guarantee, and Agreed Value

According to a USA Today article on March 20, 2008, new sales of RVs hit 354,000 in 2007. Many of those RVs are insured with non-specialized coverage. At Explorer Insurance Agency, we realize how significant an investment a RV can be. This article discusses the three coverage options that are the foundation of the specialized RV policy. Each option provides a form of depreciation protection, but provides it in a different manner.

Total Loss Replacement is available to original owners of RVs with a model year within four years of the current year. This option provides depreciation protection for the first 10 model years. If a total loss occurs during the first 5 model years, the insurance company will replace the RV with the newest model, or a comparable RV. If a total loss occurs during the second five model years, the insurance company will pay the insured the purchase price paid by the insured for the total loss RV to be used towards the purchase price of a replacement RV.

 To read the complete article click here.

Full-Time RVer Protection

 In its November 8, 2007 issue, Time Magazine reported that there are over 400,000 full-time RVers in the United States. Although many of these full-timers inhabit their RVs all 12 months of the year, most insurance companies view five or six months as full-time usage.

When an individual decides to permanently hit the road to experience all of America, they may be subject to gaps in insurance coverage, especially if they are no longer a homeowner. This is another reason specialty RV insurance is needed. Explorer Insurance Agency offers specialty RV policies for full-timers to provide coverages that fill those insurance gaps.

Full-timers’ personal liability coverage provides very important protection. When you are a homeowner, personal liability coverage is usually provided by a homeowner’s insurance policy.
 
To read the complete article click here.

RV Liability Insurance

Today we are going to go over the Liability portion of a RV policy. The definition of this is as follows:

Liability - Applies to claims made against you for bodily injury or property damage to others resulting from negligent operation of a motor vehicle.

Your insurance contract can have liability in one of two ways: split limits or combined single limits.

Read more..