So you have finally purchased that RV you’ve always wanted. You are ready to hit the road and enjoy the conveniences of your home on the go. However, before you take that first trip, you need one important thing: insurance. Just like you would with a regular automobile, you have to have insurance on your recreational vehicle. Many RV owners get their insurance from their auto insurance company. Makes sense, doesn’t it? They already know what coverage and rate their own companies offer. It is also more convenient to add another vehicle to your plan rather than starting up an entirely new plan. And discounts may apply.
However, convenience may not be the best advantage. RV’s are more than just transportation. They provide conveniences that normal cars cannot. They are more like homes on wheels. You would not insure your home with basic car insurance. RV insurance from Foremost can provide you with basic vehicle protection and much more.
The Coverage of Homeowners Insurance
Many people think of their RV’s as their second homes. In fact, quite a few people spend more time in their RV’s than their stationary place of residence. With that in mind, you need specialized insurance to cover your possessions. Auto insurance does not cover personal items in your vehicle. With RV insurance from Foremost, you get the type of coverage you would receive from homeowners insurance. Under your policy, you will receive coverage for attached items and equipment. This includes awnings, satellite dishes, TV antennas, and other equipment that extends from your RV. Such items would be covered by home insurance and your RV needs this coverage as much as your home does.
Complete Emergency Coverage
Another advantage of RV insurance from Foremost is that every conceivable emergency can be covered, both home and vehicle related. In terms of auto coverage, you have the opportunity to have roadside assistance available to you 24 hours a day, 365 days a year. The coverage extends to anywhere in the United States and Canada. The home insurance aspect of RV insurance covers any damage to your vehicle. Any accidental, sudden, or direct damage is covered including fire, hail, windstorms, smoke, and flood. Other damaging factors unique to RV owners are also covered. This includes damage caused by low hanging branches and attacks by animals. If, for some reason, you are unable to live in your RV and you are more than 50 miles away from home, Foremost will either pay for your lodging at a hotel or pay for your return trip home.
Coverage Unique to RV Insurance
Foremost insurance provides other kinds of coverage uniquely designed for RV owners that neither auto nor home insurance alone could offer. RV insurance from Foremost provides coverage regardless of high mileage on your vehicle, the older age of the owner, or the frequency of RV use. If your RV is brand new and is destroyed during the first five years of ownership, they will pay for a new one, no matter how much it originally cost.
So, even though getting RV insurance from your current auto insurance company is convenient, Foremost will provide unmatched coverage and protection to improve life on the road.
By Tamara C. Jude