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3 “Core” Tips for selecting the right RV Insurance policy

April 11, 2014 | By | 12 Replies More

Choosing the RIGHT RV Insurance – and the right options can make a BIG DIFFERENCE when it comes to a situation where you need support RIGHT NOW…

3 Core Tips for selecting the right RV Insurance policy

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Summarizing…

  • Add “Coachnet” (or any rider that insures you have somewhere to stay IF you can’t live in your RV for a period of time. In my case, I was “treated” to a 10 day “vacation” while my RV was being repaired – and – when repairs took longer than anticipated, my claims agent was quick to approve additional time
  • Look into the claims department. When I had my “events”, it was IMPORTANT to me to be able to choose the repair shop (I relied upon input from Crossroads – the manufacturer along with input from other local sources.
  • Be sure that if the worst happens and you have to replace your RV, you’ve got the coverage to pay for a replacement unit at full value – NOT the depreciated value of your “x” year old home!

May I recommend… Explorer RV (click the LINK for a free quote) OR call them (1-888-774-6778) – and when you call, be kind and tell them “referred by Sills” – Thanks!! (Note: Even though I do receive a small referral fee if you mention my name, I would NOT recommend Explorer RV unless they had provided service that EXCEEDED my expectations at all times!)

I write about my 2 experiences with Explorer RV and their services HERE.

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I learned about the importance of RV Insurance when a blow-out caused over $3000. damage to my slide out!

Have thoughts on this issue you want to share? Use the comments section below.

Hey, thanks for visiting. While here at RV Across America… don’t miss our article about getting a good nights sleep with an air mattress

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Category: RV Insurance - Real Stories and Insights

About the Author ()

Alan Sills is a full-time RV'er and has been since 2011. A science educator at heart, Alan has realized that its important to maintain an income stream while "on the road". He writes about RV life, RV issues, and living an entrepreneurial lifestyle.

Comments (12)

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  1. Dona says:

    Hi Al!

    Thanks so much for your insights into what makes for a good RV insurance policy and for letting us know about Explorer RV Insurance. They’re a smaller company so we may never have heard of them if it weren’t for your article, and we’re definitely interested in looking them up.

    Dependable insurance is so important to me and my husband, since we’ll be living full time in our RV. So thanks for the lead and we’ll be sure to use your name if we buy this brand of insurance for our own RV!

    Do you know if their policies meet these other RV insurance points as well? http://www.rvlivinonline.com/#!best-rv-insurance-check-list/c1lee

    Thanks!
    Dona
    http://www.rvlivinonline.com

    • rvacrossamerica says:

      Dona,

      Thanks for your kind words. They have all the necessary riders and options available for the rv’er. I looked at the link you shared, and yes, I believe everything on their list is offered (including a few things I specifically mentioned in my post.) Let me know how it works out if you contact them for a quote.

      Al

  2. Marlon Knox says:

    THANK YOU Alan Sills for directing me toward Explorer RV Insurance Agency!

    I finally bought my first RV – 2007 Pleasure Way Lexor TS.

    Before the dealer would release the vehicle – I financed it -I had to get it insured.
    I called Allstate which I currently have my SUV insured with . They were quick to add the vehicle to my existing policy and sent through whats called a binder to the dealer whom then released the vehicle.

    On my way back home to Florida – I collected it up in Philadelphia – I saw Twin Peaks RV insurance advertised on the side of another vehicle.
    This triggered me to start thinking if I had the right insurance and also reminded me that you had posted VALUABLE information in this regard.

    When I got back home I called Allstate for the finer details of my policy , Twin Peaks and Explorer RV , for quotes.

    Allstate did NOT have me insured for what I payed for the vehicle!- They do not offer this. Should the vehicle be destroyed an adjuster will look at comparables to see what the vehicle would be worth at the time which mean I could end up owing the Bank thousands of dollars!
    With all the rest of the offerings …Allstate could give me the same however my policy would be $1600 a year.

    Twin Peaks came in at $859.02 a year….with NO mention of whats called “Purchase Price Guarantee” .

    Explore RV came in at $702 a year …under my current Florida zip code.
    If I register the RV at my second home in Arkansas zip code, they will lower my policy to $479 a year .

    I have everything covered including $750 should I have to be put up in a hotel or rent a car – I can only get the higher amounts of $1500 or more if I was a full time RV’er which Im not.

    What a pleasure it was dealing with Laura Mammone at Explorer RV Insurance Agency.
    She was the one that made me aware of “Purchase Price Guarantee”.

    I’m sure there are a LOT of RV’ers out there that may have no idea of this very important coverage clause …especially if an RV is financed over 15 years …or any amount of time as a matter of fact!

    Another plus was I was able to pay them using a credit card with NO extra charges for the fee’s they incur. Allsate charge me 5% more for using a credit card.

    Once again , Thank you .

    Marlon K
    Florida

    • rvacrossamerica says:

      I’m glad to hear it is all working out. They are a solid company and I found out how solid when I really needed them.

  3. Richard Oliveria says:

    Hi Alan; Love your videos and the subjects you cover even though I am a full time Motorhome person. Wish you would do some of your articles in the old print style as all these videos eat up my 18 GB of Vorizon service.
    Maybe someday we will meet up but not in the winter in Idaho (we lived in Hayden for 12 years.) and not in Death Valley in the summer. Ha.

    Rich

    • rvacrossamerica says:

      Rich, thanks for the insights, feedback, and thoughts. You should be able to set your browser to NOT autoplay videos so my posts won’t eat up your bandwidth by simply loading the page. Now… as to watching the videos, there may be a “low resolution” setting of the youtube videos – i’m not sure – that you can set at your end. Lastly, use wifi to watch videos so you don’t burn through your verizon data. Al

  4. Shelly says:

    Ok so diesel engine are the sprinters right? So what diesel north american trucks pull the class C? You reminded me when you said insurance for up to weeks without your rv. I want an engine with parts that will be in stock and can be a quicker fix.

    • rvacrossamerica says:

      huh?

      • Shelly says:

        I want a small class C. So diesel, ford, or ram? When it breaks down I would rather have something everyone can fix in relatively short time. When you spoke of insurance covering a hotel up to a few weeks..it made me curious which engine could take that long to fix. So there’s class C’s with the diesel engine or there’s the ford/ram engine. Also, could you tell me which class C you think would be the best 4 season. Thank you, sorry for the confusion. Shelly

  5. Shelly says:

    After more research …looks like there is no answer. None of them are built very well..the ones I thought would be the best was air stream and winnabago but there are alot of complaints on those as well…thanks anyway

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