| Buying a new or used RV is a major investment. To | | | | as their residence. There are three Fulltimer |
| help protect your investment you need the proper | | | | Coverage's available: |
| type of insurance coverage. There are several major | | | | *Fulltimer's Personal Liability - This provides personal |
| insurance companies that specialize in RV insurance | | | | liability type coverage to fulltime users of RVs, which |
| and I strongly recommend that you use one that | | | | usually equates to five or more months of use per |
| does specialize in RV's. You might have a great | | | | year. This coverage is even available to individuals |
| insurance company for your home and automobiles, | | | | who do not own their own home, and is similar to |
| but an auto policy can't begin to cover the | | | | the personal liability coverage on a homeowner's |
| complexities of an RV. You need specialty coverage | | | | policy. |
| like vacation liability, total loss replacement, personal | | | | *Fulltimer's Secured Storage Personal Effects - Many |
| effects and much more. | | | | fulltime RVers keep some of their personal property |
| There are a number of specialty coverage's available, | | | | in storage. With this option, the insured can get |
| designed to protect you and your property. Specialty | | | | coverage for these items in storage. Typically, the |
| RV coverage's are what differentiates RV policies | | | | insured will have to create a schedule of these items, |
| from auto policies. Adding your RV to your auto | | | | and the insurance company will have specified limits |
| policy is inadequate because it fails to cover many of | | | | for the value of this personal property. |
| the provisions included in a specialty RV policy. For | | | | *Fulltimer's Medical Payments - This option provides |
| example, most RV insurance provides coverage for | | | | coverage of medical expenses resulting from an |
| awnings, furniture, permanently installed items and | | | | accident that occurs while the vehicle is used as a |
| fixtures, and plumbing and electrical systems unique | | | | permanent or primary residence. Insurance companies |
| to RVs. | | | | will likely require that the insured also has Fulltimer's |
| Typical RV policies also provide unlimited towing and | | | | Personal Liability coverage in order to qualify for |
| roadside labor coverage. Auto policy towing coverage | | | | medical payments coverage. |
| is often inadequate for RV expenses. With most | | | | Note: Many insurance policies contain exclusions for |
| auto policies, the towing reimbursement is usually on | | | | using your RV as a permanent or primary residence. |
| a per occurrence basis. Because the fees to tow an | | | | Often the Fulltimer's Liability endorsement removes |
| RV or to change an RV tire are much higher than the | | | | these exclusions from the policy. In other words if |
| same for an auto, these fees often exceed the per | | | | you are a fulltimer and do not carry Fulltimer's Liability |
| occurrence limits on an auto policy. | | | | you may be subject to policy exclusions. |
| Another consideration for RV owners is that they | | | | Personal Effects - provides coverage for loss to |
| get the benefit of specialized claims service when | | | | personal belongings used in conjunction with the RV. |
| they choose to insure their RVs with specialty RV | | | | Mexico Physical Damage Coverage - Provides |
| insurance as opposed to having RVs put on auto | | | | comprehensive and collision coverage for the insured |
| policies. The adjusters assigned to claims by insurance | | | | vehicle while traveling in Mexico. The insured is |
| companies with specialty RV products usually have | | | | required to purchase Mexican liability coverage too. |
| expertise with RVs, losses to RVs, and settling the | | | | Mexican Liability Coverage - While most RV insurance |
| value of the loss. Let's take a look at some more of | | | | provides physical damage coverage while traveling in |
| these specialty RV coverage's available to you. | | | | Mexico, it does not provide Mexican Liability |
| Diminishing Deductible - Under this coverage your | | | | Coverage. When traveling in Mexico by auto or RV, |
| physical damage deductibles could be reduced 25% | | | | you must have Mexican Liability Coverage from a |
| for each claim free year you have with the company. | | | | Mexican Insurance Company, which you can buy |
| After four claims free years, your deductibles would | | | | from US-based brokers or at the border. |
| be $0. Any comprehensive or collision losses would | | | | Schedule Personal Effects Coverage - Provides |
| reset the deductible. | | | | coverage for the loss of expensive personal |
| Emergency Vacation Expense coverage - is also | | | | belongings used in conjunction with the RV. The |
| unique for specialty RV policies. This provides | | | | insured must have appraisals for these items. |
| coverage to pay for temporary living expenses if | | | | Adjacent Structure coverage may be available for |
| your RV is inoperable due to a covered loss and you | | | | storage sheds, screened rooms, or carports on |
| are more than 50 miles from your home. | | | | owned or rented lots. In addition, you may be able to |
| Vacation Liability - Provides campsite liability for you | | | | get coverage for roadside assistance, a utility trailer, |
| while you are using your recreation vehicle as a | | | | a golf cart, or scooter. |
| vacation residence. For example Vacation Liability | | | | Hopefully this helped explain why it's important to |
| could cover damage caused by your campfire if it | | | | insure your RV properly. Your RV insurance can and |
| gets out of control or if you accidentally hit someone | | | | should fit your RV. I recommend going to to get a |
| with a horseshoe. | | | | free quote with no obligation. |
| Fulltimer's Coverage's - This is very important | | | | Happy Camping! |
| coverage to insured's who use their RVs year round | | | | Copyright 2006 by Mark J. |