Going Full Time? Make sure you have the right coverage!

If you’ve decided to permanently hit the road to experience all of America in your RV, you may have gaps in your insurance coverage, particularly when you are no longer a homeowner.

Personal liability is the most important coverage for full-timer protection. This coverage protects you when losses occur for which you are legally responsible. When you sell your home and become a full-timer, personal liability coverage is lost and you could be unprotected.
Explorer Insurance Agency offers personal liability and other specialty RV programs for full-timers, providing coverage to fill important gaps. Learn more.

• Full-timers personal liability is the most important in full-timer protection. When you are a homeowner, personal liability is covered under your homeowner’s insurance policy, which protects you when losses occur for which you are legally responsible. When you sell your home and become a full-timer, personal liability coverage is lost leaving you unprotected. Full-timers personal liability fills that gap by offering liability protection wherever your travels take you in the U.S. This is also a required coverage by most specialty insurance companies when RV usage exceeds five months per year.

• Full-timers medical payment coverage provides coverage for the homeowner’s medical bills incurred as the result of an accident in the motor home. Again, when you become a full-timer, this protection may be lost. Full-timers medical payment fills this gap by offering coverage for medical bills incurred when the parked RV is being used as a residence.

• Scheduled valuable personal property coverage allows an insured to schedule valuable personal items such as jewelry, antiques, and stamp collections. Full-timers may wish to take such items on the road but without a homeowner’s policy, can’t protect them. Scheduled valuable personal property will cover up to $99,000 for any item, collection, or group of similar items you wish to protect.

• Secured storage personal effects coverage protects your personal items in the event of a theft or fire. When you sell your home, all of your personal effects accumulated over the years likely won’t fit into your RV, even if it is 45 feet long. Most people store personal effects in secured storage facilities, but they don’t know that the items are not covered in the event of theft or fire. Secured storage personal effects coverage will cover up to $99,000 worth of personal effects in storage.

While you are enjoying your RV full time, you should have a sense of security that you are protected. At Explorer Insurance Agency, we firmly believe the full-timer coverage that a specialty RV policy provides is the best way to ensure worry-free travels.
For a free review of your policy go to http://www.explorerrv.com/ or call 888-774-6778.

Personal Effects & Emergency Vacation Expenses

Two specialty coverages that may not be available for an RV on a standard auto insurance policy are Personal Effects coverage and Emergency Vacation Expense coverage. Personal Effects and Emergency Vacation expense coverage are both very valuable in the event of a claim.

Personal Effects coverage provides protection for the items packed onboard an RV. These items can range from the camera you take with you on vacation, to the clothing you pack while on the road. Most standard auto insurance policies do not provide any coverage for items inside a vehicle, whether it is a car or an RV. In the event of a claim, such as a fire, Personal Effects coverage reimburses you for your personal belongings that are damaged or destroyed in the fire, up to the limits listed in your policy. Of course, this coverage is even more important for fulltime RVers as almost everything they own is kept in their RV. Your insurance agent can help you determine an appropriate amount of Personal Effects coverage to carry, but nobody knows what you have in your RV better than you do.

Emergency Vacation expense coverage is also very important in the event you have a claim and are unable to use your RV as your living quarters. This coverage would reimburse you for most living expenses incurred while you’re unable to use your RV, again up to the limits listed in your policy. Generally, things like hotel stays, meals or tickets back home would be eligible for reimbursement. Most policies that include Emergency Vacation Expense coverage have a mileage limitation, where you would have to be a certain number of miles away from home before coverage would apply. Be sure to read your policy or ask your agent if any limitations apply. Of course, this coverage would is even more important for fulltime RVers as their RV is their primary residence.

It is essential for you to read your policy in full to determine what coverages and limits you have. Talk to your agent for more details, or if you have questions regarding any of the specialty coverage listed on your policy. For a complete review of your policy go to www.explorerrv.com/quote or call 888-774-6778.

Jill Marsillett
Specialty Agent

Collision & Comprehensive Coverage

 Collision and Comprehensive (Other than Collision) coverage are without a doubt two of the more important types of RV insurance coverage, and are also the most misunderstood. In this article, we’ll discuss what kind of insurance claims collision and comprehensive cover, and how to select a deductible that is suitable for your particular needs. Of course, when in doubt consult your insurance agent for advice on selecting an appropriate deductible and for more detail on individual limits.

Collision coverage is just what it sounds like; it provides coverage in the event your RV collides with another object. Collisions can be as varied as backing into a light post, or getting into an accident on the road. Generally, collision coverage starts paying after a deductible is met and up to the limits specified in the policy.

Comprehensive is also called “Other than Collision,” or OTC for short. OTC provides coverage for losses that are not a direct result of a collision or accident. Some common claims that are typically covered by OTC include: weather-related damage, fire, theft, vandalism and windshield chips/cracks as a result of road hazards. Be sure to read your policy and note any specific coverage exclusions. For example, most RV insurance policies do not provide coverage for normal wear and tear. Just like Collision coverage, OTC starts paying out after a deductible is met and up to the limits listed in the policy.

The deductibles listed on your policy are the dollar amounts you are responsible for paying before the insurance policy starts paying for a claim. Most insurance companies offer a broad range of deductible limits to select from ($100 to $5,000). As a rule of thumb, the lower the deductible, the higher the premium so it is important to find a balance of what you are willing to pay out of pocket in the event of claim, and how much you want to pay in insurance premiums. Your insurance agent can help evaluate your personal needs and quote multiple deductible limits for price comparison.

To review your policy click here www.explorerrv.com/quote or call 888-774-6778

Medical Payments and Uninsured/Underinsured Motorist Coverage’s

At Explorer Insurance Agency, our objective for posting these articles is to help you understand the coverages listed on your RV policy. Today we will be discussing two options which are considered standard auto coverages, but are often overlooked.

To read more click here.