RV Insurance Guide

The 13 Factors that Determine Your RV Insurance Rate

2011-01-16T16:50:00.000-08:00

The factors that determine your RV insurance rates often go undisclosed, leaving insurance buyers in the dark and making decisions about prices that don't seem to add up. This article illustrates the key factors that determine your RV insurance rate and offers suggestions for saving as much money as possible when you purchase coverage.

1) Storage Location - by State and by Zip Code
If you store your RV in Florida during hurricane season, there's a higher potential for wind and flood damage than if you store it in Arkansas. In certain states and zip codes, crimes are more likely to occur. Your decision on where to store your RV when it's not in use affects your overall insurance rate. Talk to your RV insurance agent to determine if it could pay you to store it in a zip code - or state - away from your current location. Your RV may need to be registered in the state where you store it though, so be sure to discuss this factor with your agent.

2) Type of Use - Full-Timer vs. Recreational
If you plan to live in your RV full-time, you need an insurance policy that works like a floating home-owners policy that follows you everywhere you go. If you're a weekend warrior, you can get different coverage that won't cost you as much. Be honest when you're signing up for your policy though - saving a little money can end up costing you thousands if your claims adjuster thinks you've fudged the truth during your application.

3) Membership with RV Association
In addition to a number of perks such as reduced rates at RV parks, your membership at the RV association of your choice could earn you a discount on your insurance rates. This is likely something that's mentioned in the brochures or on the website of your selected RV association. Be sure to mention any memberships when you're talking with your RV insurance sales rep.

4) Discount for Multiple Policies with a Company
Mention your current insurance companies when talking with your insurance agent, as you may be eligible for a multiple-policy discount. Be prepared on your call by gathering the names of your current insurance providers beforehand.

5) Deductible Options - a Higher Deductible Equals Lower Rates
This one's obvious, but it's something people often agonize over when they're discussing options with an agent. Make sure you know what your out-of-pocket-expense tolerance is before you start discussing this factor. Knowing what you can afford will save you the agony of having to make a snap decision that could have a big affect on your future financial situation. If you have a small fund set aside and collecting interest for damages, you could well save a little chunk on your insurance costs.

6) Type of Unit
For some insurance companies, a class A motor home is more expensive than a class C to insure. If insurance price is of no concern to you, don't worry about this factor; however, if you're looking to keep your fixed costs as low as possible, you might do some advance research to make sure you're getting the cheapest-to-insure RV possible.

7) Previous RV Ownership
Do you have any previous RV driving experience? Your insurance agent will likely ask you about your past RV driving history, but if not be sure to let them know how long you've been an RVer as you may be eligible for discounts.

8) Age
There are some perks that come with growing older - one of them is lower RV insurance rates. Check with your agent to see if there are any discounts you've earned through the sheer virtue of the duration of your life's experience.

9) Driving History
RV insurance companies look at your driving history in non-RV vehicles. They have to start somewhere. If your record is relatively clear of accidents and claims that were your fault, then you could be looking at a decent-sized discount.

10) Insurance Claims History
If you have a long history of opening insurance accounts and soon after filing a claim, your new RV agency is going to see you as a risk. Your history is likely to be a strong factor in your final insurance rate. Be sure to minimize the number of claims you're making - insurance companies pay an independent agency that tracks an individual's claims and protects them much the way credit ratings protect credit companies.

11) Home Ownership Discounts
Owning a home can affect your RV insurance costs too - it shows insurance companies that you're likely not a full-timer, and displays your level of responsibility. If you're curious about your savings on this, just ask your agent while you're on the phone.

12) Marital Status
Insurance companies believe your marital status affects how safely you drive, and the likelihood that you'll make a claim. You may feel differently when you're lost and arguing with your beloved about missed turns in the middle of a windstorm. Either way, your status does affect your insurance rates.

13) Your Credit Rating
Finally, your RV insurance company believes that the manner in which you treat your credit could be a strong indicator of how you're going to treat your RV. If you've got good credit, you're likely to see a small decrease in your insurance rates. If you're curious about the size of the decrease, be sure to check with your insurance agent.

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RV Insurance Coverage - What to Look For Beside Rates

2010-12-05T14:38:00.000-08:00

It goes without saying that for the great majority of people searching for a new insurance policy of any type, rates are the most important factor. People want to know how much they have to pay for their coverage. While rates are very important when it comes to RV insurance, there are some other very important factors to consider. Below is a list of things to consider when getting and RV insurance quote and why they are so important.

Can you suspend coverage? Many RV owners only operate their RVs for short periods of time. The rest of the time, the recreational vehicle is kept in storage. Of course, you they shouldn't be expected to pay for insurance coverage while the RV is not even in use. However, some companies actually charge people for long minimums of several months or more, or even charge for the whole year. Make sure that the policy you choose allows you to only pay for coverage while the RV is in use.
Coverage for all of your stuff. When an RV is in use, there are obviously many things kept in it. Some of these things could be of moderate to high value. Ensure that the policy you get covers all of the things inside the RV, as well as the vehicle itself. Furthermore, good policies will include this coverage at no extra charge.
Permanently attached things. If you have a satellite dish or antenna on your RV, or any other permanent fixture that was put on stock or after market, you should make sure that your policy covers them.
Service call coverage. Many people use their recreational vehicles to drive cross country. Because you could find yourself in the middle of nowhere when an accident occurs or you break down, you should get coverage with a company that provides mobile service calls.

For help in finding the lowest rates on RV insurance coverage, visit the Cheap RV Insurance Directory.

Article Source: http://EzineArticles.com/?expert=John_Gephart

Nine golden rules to follow when purchasing motorhome insurance

2009-11-15T10:04:00.000-08:00

Your motorhome is probably the second most valuable asset you own after your house. But study after study has shown that a large percentage of owners are underinsured. This can have costly consequences if anything should happen to your motorhome.

Follow these Nine Golden Rules when considering insurance for your motorhome or RV to make sure that you have the coverage that you need.

Fully consider the risks that relate to when and where you use your motorhome. Motorhomes go to places that automobiles don't always go, such as campsites, river banks, forested areas. For instance, if you often park under trees then make sure you are protected from tree damage.

Make sure there are adequate limits within the policy to cover the high costs of repair and towing. Will these be sufficient when you live five states away from the incident?

Ensure you have adequate coverage for liability claims related to bodily injury and property damage. Liability claims are spiralling upwards every year. Is the coverage high enough to cover the potential liability? What coverage do you have on existing policies that might be applicable?

Check that there is coverage for damage or loss of contents as well as for add-ons such as awnings. Contents and add-ons can be extremely expensive to replace. Check whether the policy is 'new for old' or 'replacement cost only'. With the former you will get the value of item if you were to buy it today while with the latter you will only get its replacement value--or what the item is worth.

Investigate limits and conditions related to medical expenses, protection against other drivers and damage to your motorhome. Be sure that there is adequate coverage if you suffer damage caused by an uninsured third party.

Choose a reputable insurance company that has a respectable claim-to-payout ratio. A company with a low ratio will probably mean that it is hard for you to make a successful claim. You also want an insurance company that is going to be around when it's time to pay out!

Make sure you have flexibility in choosing a repair shop or that you are happy with the insurance company's choice. This will vary by state and county, so make sure you will be well represented if the worst happens.

Check what general exclusions the company has in its policies. Compare these exclusions with policies from other companies so you can be confident in the policy you choose.

Check for the level of incidental expenses allowed and that there is adequate provision for towing the motorhome back to base or providing alternative transportation.

Follow these Nine Golden Rules to make sure that you have the insurance coverage you need on your motorhome. That way, you can really enjoy the carefree life of motorhoming without the worry of insurance over you!

This article was written by Piers Crispin, a writer on consumer affairs. Please visit motorhomes.car-buying-knowledge.com for more information on Motorhome Insurance, as well as information on Class A Motorhomes.

Article Source: http://EzineArticles.com/?expert=Piers_Crispin

Special coverage just for your RV

2009-11-08T22:54:00.000-08:00

Yes, both are cars and you drive both of them, but if you do a little research you'll find out that there are supposed to be differences in the insurance coverage. Of course, you can only know about this, if you talk with the right people. To begin with, there are specialty RV insurance agents and they are the ones you should be making a deal with for your RV and not your trusted auto insurance agent. It could also happen that you get the same rates when you talk to your auto insurance agent but the differences lie on what their insurances are covering you for.
You can get better and special insurance coverage for your RV if you get an insurance especially made for it. Here are some of the things your RV insurance should be covering you:

Total Loss Replacement

When you get a car, this is rarely available. If it is, you only get covered for about a year. But if you have a RV, you can be protected from the effects of depreciation. Because new RV models tend to come out faster, your insurance provider can give you full replacement value on your RV after a total loss. Aside from that, after five model years, you can also receive purchase price coverage.

Purchase Price Coverage

You can not get this for your RV when you are talking with your auto insurance agent. But if a total loss occurs, you can receive your RVs purchase price when it is insured by a specialty RV insurance company.

Agreed Value Coverage

When you decide to restore your RV, the insurance provider can also pay the agreed upon vehicle value as predetermined by a professional appraiser or by bill of sale. You can not get this from a typical auto insurance provider.

Full-timer coverage

This special kind of coverage is made just for RVs. Because you can use your RV as a house on the road, your insurance provider has comprehensive personal liability, expended personal contents and living expenses coverage just for this purpose. This gives you an additional sense of security when you are on a long trip using your RV.

Personal Contents

Because RVs are unique vehicles that can contain the most of your personal belongings for a trip, your insurance should also cover these items when they get stolen or damaged.

Emergency Expense

When you get into an accident using your RV, not only are the losses covered you can also expect the insurance provider to reimburse for emergency transportation and lodging.

Campsite Liability

One of the many functions of a recreational vehicle is for campsite use. But the wild always proposes dangers to you and your vehicle. If you are liable for any injuries occurring at your campsite from the use of your RV, then you are also covered. This is not recognized by your auto insurance company.

Autoqoutenow.com is a good source of online car insurance comparison that can help find cheap car insurance at an affordable car insurance rate. The website can also educate you about the special coverage you should have for your special vehicles when you compare insurance quotes.

Article Source: http://EzineArticles.com/?expert=Christine_Barry

RV Insurance Rates - How to Get the Best Quote

2009-09-03T22:42:00.000-07:00

If you would like to get a better deal on your insurance or get amazing RV insurance rates, we would like to show you how. The following are some on the main factors which directly affect you rate. The first group is factors you can control or related directly to the driver, the second group are factors you can't really control but are good to know about any way.

Driving Record

Do you have any outstanding ticket or have you have you had any recent accidents. Accidents typically stay on your record for 3 years and tickets stay on their for up to 2 years. Other important factors to consider are have you driven an RV before and what it your age and gender.

Tip: Most insurance companies base their RV insurance rates predominately on who is the primary driver. If you and your spouse drive about the same amount, make sure the one with the best record is listed as the primary driver.

Another tip: After 2 or 3 years of driving an RV and having a good driving record, check to see if you can't get your RV insurance rate lowered.

Location of the RV

Believe it or not insurance rates do very by state for a couple of different reasons. For one, some state are more prone to flooding and hurricanes than other. Insurance companies will want to know where you store your RV. Also different state set different requirements as to what type of coverage they allow insurance companies to offer.

Tip: If you live on the state border, check how much it would be insure your rv in the other state. If you spend half the year in one state and half the year in another, find out which state has better rates.

RV Full timer vs. Weekender RV

How often you use your RV will affect the rv insurance quote the insurance company gives you. Higher use policies will usually be more expensive. If you travel all over the country, you may want a policy that you can take with you, to provide you useful insurance where ever you go.

For more good tips on getting great Rv Insurance Rates please visit our site!

Fro more information on how to get Cheap RV Insurance visit motorhome-rv.org

Article Source: http://EzineArticles.com/?expert=Spencer_Arnold

Cheap RV Insurance-Is it Really a Bargain?

2009-06-30T02:28:00.000-07:00

As with any automobile, your RV needs to be insured. It is not only the law, but it is also a protection for you and the investment you made in your recreational vehicle. But, you may be worried about the cost, particularly if the RV you are looking at is one of the more expensive models. That is why it is so important to find cheap RV insurance that gives you total protection at a low price. Think of it as combination auto and homeowners insurance. An auto policy from a regular insurance provider will not give you the extent of coverage that a well-designed RV insurance policy will give you.

Where should you begin your search for cheap RV insurance? The most comprehensive resource for RV owners available today is the internet. Not only will you find a wide selection of RV insurance providers, you will be able to get a quote within minutes in some cases, and you will be able to compare policies very quickly to decide on the best cheap RV insurance policy for you, your RV, and your budget. Many dealers offer RV insurance through their dealership and there are also insurance companies that specialize in this type of insurance as well. You can get insurance for every age and type of recreational vehicle if you look.

Most RV owners prefer full coverage for their recreational vehicle. You can get cheap RV insurance with full coverage from a good online RV insurance company. Full coverage can include total replacement with a brand new RV if your totaled RV is less than 5 years old, or reimbursement of the purchase price if the RV is more than 5 years old.

In this specialized insurance market, in order to stay competitive, insurance brokers must offer prices that are appealing to consumers-in this case, RV owners. All you have to do is look, ask questions, and educate yourself on the basics. Once you have found RV insurance that appeals to you, you will be able to have greater peace of mind every time you head out on the road.

Eriani Doyel writes articles about Recreational Vehicles. For more information about cheap rv insurance visit quickrvinsurancequotes.com.

Article Source: http://EzineArticles.com/?expert=Eriani_Doyel

Steer Your RV Insurance in the Right Direction

2009-06-10T01:26:00.000-07:00

Whether it's a Class A, Mini-Motor home, Camper Shell, Fifth Wheel, Travel Trailer or Truck Camper most people consider their RV's to be a vacation home on wheels. As such, they're equipped with many conveniences like dishes, bedding and electronics, not to mention personal effects like clothing, jewelry and other gadgets. When you add it all up, replacing even just the contents of an RV could cost you a lot of money. In the event of an accident or major damage, replacing the whole thing could lead to a serious financial loss.

Insuring your RV is a smart investment that thoroughly protects your "vacation home on wheels". If something were to happen that damaged your RV or its contents, the right insurance policy would save you a lot of money and heartache. When it comes to camping, traveling or even living in your RV, there are a wide range of potential problems that could come up for you.

A smart insurance policy will cover:

an accident or damage to your RV while you're traveling
theft or damage to your belongings
responsibility for injuring or damage to others occurring on your campsite

The right RV insurance coverage will protect you in any of these scenarios. Without it, any claim you make could cost you. So how do you make sure you get the right coverage? Every situation is as unique as the RV owner, but we've outlined some important things to consider that will help steer you in the right direction.

Important RV insurance to consider

Total Loss Replacement
Current Value Loss Replacement
Full-Timer's Coverage for RV enthusiasts who consider their vehicle to be a primary residence for at least five months of the year
Personal Effects
Towing and Roadside Labor
Increased Liability Protection

Specialty RV insurance coverage to consider

Emergency Expense Coverage
Valuable Personal Property coverage
Golf Cart Coverage

Choosing the right insurance agent

Before you bought your trailer or motor home, you probably shopped around. You should do the same for your RV insurance. Here are some important questions to ask:

Does your insurance company specialize in RV insurance?
Does your company know and understand my needs as an RV owner?
How long has the company been providing RV insurance?
What do your customers say about how you look after claims?
Do you provide 24-hour claims service anywhere in North America?
What happens to my premiums if I have a claim?
Can I add RV insurance as a floater to my homeowners' policy?
If I choose a separate policy, can I bundle it with my other policies?

How we can help - At FMA, we want all of our clients to have the best insurance to fit their needs. Just as importantly, if something does happen to your RV or its contents, we're literally a phone call away. As your broker, we'll stand firmly behind you to make sure that your insurance provider delivers on it's promises to you.

Scott Norlin is the Owner of Fort Macleod Agencies, a company dedicated to providing their clients with all of their insurance and motor vehicle needs. http://www.fmagencies.com

Article Source: http://EzineArticles.com/?expert=Scott_Norlin

How to Find Cheap Auto Insurance For Your RV

2009-05-24T18:33:00.000-07:00

It's finally here! Summer's right around the corner, and it's time to get your RV cleaned up and get ready to celebrate the beauty of the great outdoors the way it was meant to be celebrated-in a sophisticated, fully equipped, luxurious motor home! As the screams of outrage from dedicated campers echo through the room, there is only one question to be asked-how can you find cheap auto insurance for your RV?

If you're a new RV owner you probably haven't given a whole lot of thought to the process of purchasing an auto insurance policy for your RV. Your mind is too full of the places you're going to go, the things you're going to see and the campgrounds you're going to kick back and enjoy! Don't let your auto insurance slip too far from your mind, however. Making sure you're protected before you hit the road is an important part of making sure your vacation isn't spoiled by finding yourself hundreds of miles from home without an RV to show for it.

And the earlier you prepare, the easier it's going to be to find cheap auto insurance for your RV.

The first thing you have to remember about shopping from cheap auto insurance for your RV is that most of the things that save you money on your regular auto insurance are going to save you money on your RV insurance as well. That means discounts! Most RV insurance providers will offer you a discount for:

a) Your RV's safety features (to prevent accidents, injuries and theft).

b) Your driving record. As with your regular auto insurance policy, a single accident can send the cost of insuring your RV soaring. It pays to follow the rules of the road, even if that means reminding your lead foot who's in charge once in a while.

c) Your age. 25 and 55 are the magical ages that send your auto insurance rate spiraling down, but the general rule is that the longer you've been driving, the less you're going to pay for your insurance-period.

d) Your job. Did you know that because teachers and engineers statistically have fewer accidents each year, people engaged in these occupations pay less for their auto insurance policy?

e) Your credit score. Good credit = a good auto insurance rate.

f) The make and model of your RV, and the statistical probability that your RV will be involved in an accident by the end of the year. Some makes and models just seem to attract trouble, so regardless of how good a driver you happen to be you're still going to pay more to insure these models.

Shop around! Your first offer is almost never going to be your best one, and with the number of auto insurance companies operating from coast to coast in the United States you shouldn't have any trouble finding one that will give you the coverage you need at a price you can afford. (And you'd be amazed at how quickly their rates will drop if you start name dropping with a competitor's prices!)

Finally, consider purchasing an auto insurance policy designed specifically for RVs rather than regular cars. As an RV owner you're going to want to make sure you have higher levels of liability and comprehensive/collision coverage on your RV than you do on your commuter vehicles, and those higher levels of coverage can equal a higher premium. A specialized RV insurance policy may help absorb some of the cost.

Vacationing in an RV can be the experience of a lifetime, but don't let the technicalities pass you by either. Make sure you've got the auto insurance coverage you need for your RV to let you relax and enjoy your peace of mind.

Michael McDonough is a National Account Representative for QuoteScout.com, specializing in matching auto insurance companies with consumers looking for a great deal on their auto insurance. For more information, visit them on the web at http://www.QuoteScout.com

Article Source: http://EzineArticles.com/?expert=Michael_F._McDonough

Why Buy RV Rental Insurance?

2009-05-08T02:17:00.000-07:00

Many people choose to rent recreational vehicles (RVs) to use while on vacation. Some of the time, these rental RVs can be covered through the driver’s auto insurance policy. The way to do this is to first obtain an Insurance Binder/Endorsement from the auto insurance provider. Next, the RV rental agency must be added to the auto insurance policy as an “additionally insured” and a “loss payee.” There are many limits and complications to this option. Many drivers find that this coverage is not adequate and choose to purchase additional coverage through the rental agency. This is often a better option because it is less complicated and provides more comprehensive coverage. RV rental insurance is usually very reasonably priced and is most often secured through MBA Insurance.

It is a good idea for RV renters to purchase additional RV rental insurance. This covers the renter if there are damages to the RV, or if the RV damages other vehicles or property. The fact that most RV renters do not regularly drive RVs makes rental insurance a particularly good idea. RV rental insurance can usually be purchased from the RV rental agency for a reasonable daily fee. The fee varies depending on the rental agency and the particular model of RV. Insurance for smaller RVs starts around $15 per day, with medium sized RVs often costing $20 a day, and the largest models costing $25 daily. It is usually a good idea for renters to purchase Supplemental Liability Insurance. This insurance usually costs about $10 a day and provides the renter with liability protection up to one million dollars.

Most RV rental agencies provide insurance through MBA Insurance. MBA is the top name in RV rental insurance and has provided its services since 1978. MBA protects both renters and the rental agencies. Their policies save the rental agencies money by insuring the renters and keeping costs low for the rental agency. MBA Insurance provides the renter with full coverage, including liability up to a million dollars, collision, uninsured motorist, and comprehensive. Most RV renters choose to purchase this insurance through the RV rental agency, but it can also be obtained through the renter’s auto insurance company in many cases.

RV rental insurance covers the renter for most road-related damages and liability. Most RV rental insurance doesn’t cover the interior of the recreational vehicle. Renters must be especially careful with the appliances and furniture in the RV, as those items are not usually covered by insurance.

RV Insurance Info provides detailed information about RV insurance quotes, policies, and companies, RV rental insurance, and more. RV Insurance Info is the sister site of RV Rentals Web.

Article Source: http://EzineArticles.com/?expert=Elizabeth_Morgan

Motorhome Rental Insurance Requirements

2009-05-05T19:51:00.000-07:00

Rental of a motorhome is a popular option for many people. The motorhome rental insurance requirements vary from State to State, but have some common features.

In some cases, your own private automobile insurance policy can be extended to cover motorhome rentals. It is necessary to check with your agent to see exactly how much coverage can be added and what the cost would be to include the motorhome on your basic policy for the duration of the rental period. If this is practical, a rider is added to your insurance contract that covers you for damage to the motorhome and for liability. This should be the first step in the rental process, but it is wise to get your personal insurance information together and then compare it to the insurance offered through the motorhome rental company.

The MBA motorhome Rental Insurance Company offers motorhome insurance and is available through over 19,000 different motorhome rental agencies nationwide. It is very likely that this insurance which runs between $15 and $25 dollars a day depending on the size of the motorhome will be more comprehensive and less expensive than a rider on your personal insurance. However, you will not know this until you have gathered the figures and done a comparison. You will also need liability coverage which runs about $10 a day and covers you for up to one million dollars.

You will need to have a driver's license, of course, and the minimum age requirement varies from State to State. Insurance is always a good idea and liability insurance is also the law in most areas. It is not a very wise decision to risk doing without full coverage collision insurance when renting an motorhome. Regardless of your driving skills, accidents can happen easily in an motorhome. They do not necessarily need to be your fault. The motorhome has vastly different driving characteristics than your automobile and minor accidents when parking or backing up are not uncommon among renters.

It is also important to remember that motorhome rental insurance does not cover damage to the interior of the motorhome unless the damage is caused by the result of a driving accident. It is important to take extra care of the appliances and interior of the motorhome to avoid extra damage or clean up charges when the motorhome is turned in at the end of the rental period. You will be able to make a complete inspection of the motorhome before the rental begins and you should make sure that any preexisting damage is noted before the motorhome is accepted.

The motorhome rental requirements are not overly restrictive and the cost is not excessive when the value of the motorhome is considered. No one anticipates an accident when renting an motorhome, but insurance coverage is a loss prevention safety net that will keep your dream vacation from turning into a nightmare.

Find more information on RV rentals at http://www.rvrentalsforyou.com/

Article Source: http://EzineArticles.com/?expert=Adrien_White

RV Tip: Top Five RV Insurance Claims & How to Avoid Them

2009-05-01T01:11:00.000-07:00

After doing some research on RV insurance claims I discovered what one insurance company listed as the top five RV insurance claims filed. Today we’re going to discuss what these claims are and how you can avoid them.

Claim #1

This insurance company stated that it receives at least 400 claims each year involving fires around the back of the refrigerator that are caused by leaking propane lines. If you’re using your refrigerator in the LP gas mode, with an open flame, you definitely don’t want a leaking LP gas line.

How to avoid it

To avoid becoming a statistic I recommend that you take your RV to an authorized RV repair facility annually and have the entire LP gas system checked. RV technicians have the proper equipment to check the system for leaks and to make sure the LP gas pressure is adjusted properly.

You, the owner, can periodically inspect for LP gas leaks. To do this turn the main gas supply on, but do not light any pilot lights or other burners. Take a bottle of approved LP leak detector solution and dab around all gas fittings. If there is a leak the small bubbles will grow into larger bubbles. Tighten the fitting and repeat the leak test. If the problem persists turn the LP gas supply off and take it to an RV repair center to have it checked out and repaired.

Claim #2

The next claim the insurance company listed was RV’s hitting gas station overhangs and bridges. RVers forget or don’t know the height of their RV and enter areas that don’t have enough overhead clearance.

How to avoid it

The first step is to measure the height of the RV from the ground to the highest point, usually the top off the air conditioner. Manufacturer brochures often times include this information. Check the footnotes to make sure it includes optional equipment like the air conditioner. For safety measures add an additional six inches to the overall height. Write this information down and post it in the RV or tow vehicle where it can be easily seen and will serve as a constant reminder for you. When you exit the interstate to refuel select an exit that has several fuel stations so you can pick one that is easy to navigate, and has plenty of overhead clearance. If you travel on roads less traveled be sure and check clearances on all overhead bridges before attempting to go under them.

Claim #3

The insurance company lumped retracting the RV steps and awnings together in this claim. Traveling with the awning properly secured is one concern and stowing your awning in bad weather is another concern. Since the claim was not very specific about the awning I will address both issues.

How to avoid it

When I worked for an RV dealership I saw the end result of not retracting the steps on more than one occasion. It’s easy to forget the RV steps when you are getting ready go on a trip or leave a campground. I have two ways to avoid this from happening to you. First you should always use a pre-trip checklist anytime you plan to move the RV. Second you should always walk around the entire RV a second time just before pulling out. You’ll be amazed at some of the things you missed the first time you walked around the RV. I have a very thorough pre-trip checklist available in my “Checklists for RVers” e-book at www.rveducation101.com.
The first thing we’ll cover concerning the awning is stowing it properly for travel. Make sure the awning is properly stowed against the side of the RV and the roller tube lock mechanism is in the retract position. Make sure the awning arm travel locks are latched and tighten the black knobs on the back of the awning arms. The awning makes your RV six inches wider and you must always keep this in mind when you are traveling. I have seen many cases where the awning roller tube and fabric gets damaged by hitting or rubbing on something and the awning arms get damaged by catching on something. When navigating in close quarters, such as at a campground, use a ground guide to make sure you have enough clearance to avoid damage to the awning.
I’m not sure if the insurance company gets more claims for travel related damage to the awning or storm related damage. I think I have seen more awning damage caused by rain, wind and storms. You should always lower one end of the awning to allow for water run off. The weight from water pooling on the awning fabric can cause extensive and costly damage. Any wind over 20 miles per hour can also cause extensive damage to the awning and to the RV. Never leave the awning out unattended. If everyone is leaving the campsite, store the awning in the travel position. When you go to bed, store the awning in the travel position. Even when you are at the campsite, you should use awning tie downs to prevent any sudden damage caused by a high wind gust or a storm that moves in quickly.

Claim #4

The next claim the insurance company listed was for damage caused by tire blowouts. I have seen extensive damage to RVs caused by tire blowouts. Tire blowouts on RVs are caused by overloaded tires, under inflated tires, old tires and tires damaged by the ozone and UV rays.

How to avoid it

Just like the axles on your RV, tires have load ratings too. The maximum ratings are molded into the side of the tires. You need to have your fully loaded RV weighed to ensure that the tires are not overloaded. The only way to know if a tire is overloaded is to find scales where you can weigh individual wheel positions in addition to the overall weight, and the axle weights.

Another leading cause of tire failure is under inflated tires. The load rating for a tire is only accurate if the tire is properly inflated. Under inflated tires cause extreme heat build up that leads to tire failure. The appearance of the tire can look normal but the internal damage is not visible and the tire can fail at any time without warning. If you find any tire 20 percent or more below the correct inflation pressure have it removed, demounted and inspected. Driving on a tire that is 20 percent or more under inflated can cause serious, permanent damage to the tire that may not be visible.

Ideally you should check tire inflation, and adjust it if required, everyday that you move or drive your RV. If you can’t get into the habit of doing it on a daily basis you need to make it a point to check all tires weekly, at a minimum when you’re traveling. You always want to check the tires when they are cold, meaning that you don’t drive or move the RV before checking inflation pressure. The only way to correctly measure the inflation pressure in your tires is with a quality inflation pressure gauge. Don’t ever depend on your eyes to check tire inflation. There can be as much as 20 PSI difference between tires that look the same. You need to invest in an accurate inflation pressure gauge. You should get one with a double, angled foot. This makes it much easier to check the outer tire of a dual set.

The age of your tires is another factor that contributes to tire failure. If your tires are more than seven years old they should be replaced. All tires manufactured in the United States have a DOT number. You might have to look on the inside sidewalls to find it. The last three or four digits in the DOT number identify how old the tire is. Older tires used three digits. The first two identify the week of the year that the tire was built and the third identifies the year. Newer tires use four digits. Again the first two digits are the week of the year and the last two identify the year. For example 1005 is the 10th week of the year, and 05 is the year 2005. If you question the age of your tires, especially on a used RV, and you can’t find the DOT number have them inspected by a qualified tire center.

Ozone in the air and UV rays from the sun shorten the life of your tires. It’s not uncommon to see RV tires with low mileage and plenty of tread that are ruined by the damaging effects of ozone and UV rays. Ozone in the air causes tires to dry rot and deteriorate. UV rays from the sun make it happen quicker. This is especially true of the tires sidewall. Inspect your tires for checking or cracks in the sidewalls. If you notice any damage the tires should be inspected by a professional. To protect your tires from sun damage keep them covered with covers that will block out the sunlight when not in use.

Claim #5

Number five in the top five RV claims was for damage caused by rodent infestation. When RVs are stored for the winter it’s not uncommon for mice and squirrels to make their winter home in the RV. These animals are notorious for chewing through vehicle wiring and plastic and rubber lines, debilitating the entire vehicle.

How to avoid it

I don’t know if there is any proven, full proof method for keeping these rodents out of your RV but there is a long list of ways people have tried. I will list some of these ideas that you can try to keep these unwanted guests away from your RV.

Possibly the most important step is to try and prevent mice and other rodents from being able to access your RV. This can be difficult because they can enter the RV through some very small areas. Start by inspecting the underside of your RV for any gaps or holes. Fill these gaps using silicone or expanding foam. A word of caution, if you never used expanding foam before you should experiment with it on something other than your RV first. When it dries it can expand a great deal more than you expect. Next, open drawers and cabinet doors inside your RV. Look in all of the corners and crevices, especially where plumbing and wiring enter the RV. If you can see any daylight mice can get in. Fill these areas with silicone or foam.

Remove all food from the RV when it’s being stored and thoroughly clean it to remove any remnants of food that might attract mice and other rodents. If at all possible try to park or store your RV on a solid surface like pavement or concrete. Try to avoid grass, fields or wooded areas. If it’s a motorized RV start it every week to run any squirrels off that may be making the engine compartment into a home for the winter. This is where a lot of chewing damage occurs.
If you don’t mind the smell of mothballs scatter them throughout areas of the RV to include storage compartments and the underside. I have been told that mothballs will work for a while but eventually rodents will get used to the smell and it will no longer deter them.

Others say the alternative to mothballs is dryer sheets, like Bounce. People swear they work and the smell is much more pleasant. The problem with dryer sheets is once they dry out they are not really effective. If you are close to where your RV is being stored you may want to use conventional mouse traps and check for mice every few days. The only problem with traps is the bait can actually attract mice. I don't recommend any type of poison. It can take several days for the poison to work and the mice will usually die somewhere that you can't find them. If this happens you may never get rid of the smell. If you do use poison make sure pets can’t get to the areas where you put it.

I have talked to RVers who suggest you spray some type of insect spray (that contains mint oils) around the tires to discourage mice. The only problem I see with this is you would need to do it every few days if the RV is stored outside.

There are numerous ultrasonic pest controllers on the market. Some even offer money back guarantees. Again, I have talked to some people who swear by them and others who insist they don’t work. I have never tried this method.

After a great deal of research on this topic I have come to the conclusion that the only way to really keep rodents away is to get rid of the rodent’s altogether. Continue to set traps for mice until they are gone and in the case of squirrels it may be necessary to trap and relocate them if there is no other method available to get rid of them.

I was surprised that damage to TV antennas did not make it in the top five RV claims. I have seen many TV antennas and RV roofs damaged by forgetting to lower the TV antenna. The damage isn’t just from the antenna hitting something when it’s in the raised position; it’s also because the antenna cannot withstand the force from highway speeds when it’s in the raised position. There are a couple of ways to avoid damage to your TV antenna. One is to stick to the trusty pre-trip checklist before you move the RV. Another way is hang the motor home or tow vehicle starting key, or something like a piece of colorful ribbon on the TV antenna handle whenever it’s in the raised position. This will serve as a reminder to lower the antenna before you move the RV.

Armed with this advice, hopefully you can avoid becoming a statistic in the top five RV insurance claims. Be safe and have a great time exploring this wonderful country in your RV.

Happy Camping!

Mark

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. Sign up for your free "RV Education 101" Newsletter http://rveducation101.com/email/ Mark Polk is a retired U.S. Army Chief Warrant Officer Three, specializing in wheeled and track vehicle fleet maintenance operations. In addition to owning and operating RV Education 101, (based in North Carolina) since 1999, Polk also has a very extensive RV background working in RV service, sales and management.

Polk has a degree in Industrial Management Technology and his 30 plus years of experience in maintenance includes working as an RV technician, a wheeled vehicle and power generation mechanic, an automotive maintenance technician, Battalion and Brigade level Maintenance Officer, an RV sales manager and also in the RV financing department as the Finance & Insurance manager. http://www.rveducation101.com/

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RV Insurance Coverage: The Basics

2009-04-30T21:14:00.000-07:00

Whether the RV model is a Class A, Mini-Motorhome, Camper Shell, Fifth Wheel, Travel Trailer, or Truck Camper there is a multitude of RV insurance coverage options open, with policies suited to accommodate full timers and recreational users. And its also possible to include the tow or companion vehicle on the same motor home plan.

Go for one of the insurance companies to offer a specific plan dedicated to the RV lifestyle. These specialized policies often indemnify more eventualities than that of a regular automobile policy. Automobile programs often exclude parts that are unique to a recreational vehicle, such as the slide outs, stairs, and awnings.

A good policy often features total loss replacement coverage for a new recreational vehicle (often up to five model years). If a new RV is totaled in an accident in its first five years, the option is there to replace with a new unit that's equal in terms of body type, features and options. Common features to RV plan include towing and roadside assistance, collision coverage, personal effects, medical payments, and liability.

Affordable rates for the latest motorized RV model to a pop-up camper can be had at the local motor home dealership or online with one of the dedicate RV insurance companies. It's often a case of entering the make, model, year of manufacture, and purchase price as well as a few other pieces of information. Once that's entered a free quotation will be returned in minutes. With several quotes to hand its best to compare the level of cover, benefits, and limitations to ensure that the comparison is accurate.

RV insurance coverage plans offer that peace of mind, in knowing that you're free to enjoy the adventures and travel without any kind of stresses.

If you're interested in getting a more detailed look at the Best Auto Insurance options, including a variety of insurance tips and ideas, take a look at http://www.insuredbox.com/

Article Source: http://EzineArticles.com/?expert=Jennie_Dalglish