Steer your RV Insurance in the Right Direction - May 25, 2009

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:

1. Does your insurance company specialize in RV insurance?
2. Does your company know and understand my needs as an RV owner?
3. How long has the company been providing RV insurance?
4. What do your customers say about how you look after claims?
5. Do you provide 24-hour claims service anywhere in North America?
6. What happens to my premiums if I have a claim?
7. Can I add RV insurance as a floater to my homeowners' policy?
8. 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.