With summer quickly approaching, many of us will be hitting the road for Memorial Day and preparing for vacations with friends and family. Now\u2019s the perfect time to assess your current recreational vehicle (RV) coverage to make sure you\u2019re adequately protected. Below are a few smart and helpful tips to consider when shopping for RV insurance.<\/p>\n\n\n\n
Recreational vehicles, or RVs, include a wide range of vehicle styles and sizes. RVs are broken into two categories; motorized and towable. Motorized, commonly referred to as Motorhomes, consist of 3 classes. Class A motorhomes are large bus-like vehicles that include luxury motor coaches or converted busses. Class B is the smallest class of motorhome and are often referred to as camper vans. Class C motorhomes are like a hybrid of Class A and B. Class C motorhomes are built on modified van or pickup truck chassis with living space built on the back. Towable RVs are more affordable than their motorized counterparts and split into two types based on the hitch. First is a travel trailer. Travel trailers come in many sizes and connect to a standard tow hitch. The second type of towable is a fifth wheel. These trailers are larger in size and require a special connection built into the back of a heavy-duty pickup truck for towing.<\/p>\n\n\n\n
Always check the policy to see what is covered for any loss. Most policies have a standard amount that\u2019s covered, and some policies have stricter limits for certain types of losses. With the average amount of computers and electronic equipment people may keep in their RVs, it\u2019s possible to exceed the insurance company\u2019s personal property limits. Consider adding a scheduled articles policy for any personal belongings that may exceed standard limits.<\/p>\n\n\n\n
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