{"id":127,"date":"2014-06-28T14:41:37","date_gmt":"2014-06-28T18:41:37","guid":{"rendered":"https:\/\/project-011.com\/?page_id=127"},"modified":"2016-03-16T15:12:14","modified_gmt":"2016-03-16T20:12:14","slug":"rv-insurance","status":"publish","type":"page","link":"https:\/\/project-011.com\/?page_id=127","title":{"rendered":"RV Insurance"},"content":{"rendered":"<a href=\"https:\/\/project-011.com\/wp-content\/uploads\/2014\/06\/RecreationalVehicle.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-956\" src=\"https:\/\/project-011.com\/wp-content\/uploads\/2014\/06\/RecreationalVehicle.png\" alt=\"RV Insurance\" width=\"800\" height=\"339\" srcset=\"https:\/\/project-011.com\/wp-content\/uploads\/2014\/06\/RecreationalVehicle.png 1214w, https:\/\/project-011.com\/wp-content\/uploads\/2014\/06\/RecreationalVehicle-300x127.png 300w, https:\/\/project-011.com\/wp-content\/uploads\/2014\/06\/RecreationalVehicle-1024x434.png 1024w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a>\n<h1 style=\"text-align: center;\">RV Insurance For Motorhomes, Travel Trailers and Campers<\/h1>\n<p>Your RV isn\u2019t just about travel, it is about living on your terms. \u00a0We try to provide RV Insurance on the same terms. For many of us the open road and the ability to pick up and move on with a whim is far more preferable to the hassle of flying, renting cars and checking into hotels.\u00a0 It is truly a way to explore the United States and there are almost unlimited places to travel to and explore.<\/p>\n<p>RV insurance is about motor homes, motor coaches, travel trailers, and campers mounted in truck beds.\u00a0 Trailers run from pop-up tent like campers, to hard top trailers you hook up to a trailer ball on your bumper.\u00a0 Some trailers are mounted to fifth wheel docking mechanisms to help center the towing weight over the tow vehicle.\u00a0 Campers fit inside the truck bed and are strapped onto the vehicle.<\/p>\n<p>Motorhomes are self-contained, motorized units built onto robust van, truck, and heavy truck chassis and extend all the way up to the bus-like motor coach with diesel pusher motor (motor mounted in the rear of the vehicle).\u00a0 Some trailers and motorhomes have sliders that move out when you park for the night or the week giving you additional elbow room and many of the conveniences of home.\u00a0 Full cooking facilities, toilet and shower are onboard.\u00a0 It is a home on wheels and isn\u2019t just a motorhome, for many it is a life on wheels always seeking the warmth of the sun and the exhilaration of exploring North America<\/p>\n<p>Travel trailers are not self-propelled.\u00a0 In many instances we can add a travel trailer, camper or pop-up camper onto your personal auto policies.\u00a0 When these units become permanent and stationary second homes, then we are best moving you to a true RV Insurance policy.<\/p>\n<p>As for motorhomes, they come in several versions.\u00a0 They run from the following:<\/p>\n<ul>\n<li>Conventional Class \u201cA\u201d Motorhome<\/li>\n<li>Professional Bus Chassis Class \u201cA\u201d Conversion<\/li>\n<li>Non-professional Bus Chassis Class \u201cA\u201d Conversion<\/li>\n<li>Camper Chassis Motorhomes Class \u201cB\u201d<\/li>\n<li>Mini Motor Homes<\/li>\n<\/ul>\n<p>Motorized Vehicles that are used occasionally for excursions but that are not parked permanently at another location as a second residence can often be very efficiently insured on a personal auto policy depending upon their size and type.\u00a0 Due to definitions used in the personal auto policy some bus conversions will not qualify as a vehicle in these policies but the RV insurance policy is amended to permit the larger number of axles and the much higher values of bus motor coaches.\u00a0 Since motorized motor homes and coaches are motor vehicles the coverage of the personal auto apply and are required for RV insurance just like we expect on a personal auto policy.\u00a0 You can refer to the personal auto second for more information about the variety of coverage that are suggested for vehicles.\u00a0 In this section we\u2019ll deal with the differences in the RV insurance policy over the personal auto policy.<\/p>\n<p>Towable RV trailers and campers derive their liability coverage from the towing vehicle.\u00a0 Since it is not self-propelled it does not develop liability exposures except as when they are in motion due to the towing unit moving.\u00a0 If a towable unit separates from the tow vehicle the liability \u2013 bodily injury or property damage \u2013 caused to others is taken from the towing vehicle.\u00a0 There is the potential for liability from the activities of camping and in many instances this can be taken from homeowner insurance policies covering the liability wherever you are at in the world.\u00a0 In cases where you don\u2019t have a homeowner insurance policy, then the RV insurance policy does provide a choice of liability limits to choose from to account for the liability that may occur through your camping activities.<\/p>\n<p>RV Insurance policies do provide some benefits that you won\u2019t find as easily in home or auto coverage.\u00a0 In the RV insurance policy, whether for towable units or self-propelled motorhomes, the policy contains all of the needed insurance within one policy document.\u00a0 That eliminates the need to cover coverage needs across several personal insurance policies.\u00a0 There may be property, for example, that never comes in from the RV and this property can be easily overlooked in a loss.\u00a0 RV Insurance policies always include this incidental property when you need it covered.<\/p>\n<p>Some features in the RV Insurance policy that are different than coverage through home or auto include:<\/p>\n<ul>\n<li>Total Loss Replacement<\/li>\n<li>Replacement Cost on Personal Effects<\/li>\n<li>Vacation Liability Limits<\/li>\n<li>Vacation Medical Expense Limit<\/li>\n<li>Emergency Travel Expense Coverage<\/li>\n<\/ul>\n<p>In addition to the latter differences, the following coverage is similar to other personal auto policies.<\/p>\n<ul>\n<li>Bodily Injury &amp; Property Damage Liability<\/li>\n<li>Uninsured Motorist<\/li>\n<li>Underinsured Motorist<\/li>\n<li>Medical Payments<\/li>\n<li>Comprehensive &amp; Collision Options<\/li>\n<li>Market Value Settlements<\/li>\n<li>Agreed Value Loss Settlement<\/li>\n<li>Total Loss Replacement Cost<\/li>\n<li>Roadside Assistance<\/li>\n<li>Emergency Travel Expense<\/li>\n<li>Replacement Cost Personal Effects<\/li>\n<li>Vacation Liability<\/li>\n<li>Mexico Physical Damage (Some companies)<\/li>\n<li>Coverage for Additional Trailer<\/li>\n<li>Fire Department Service Charge<\/li>\n<li>Full Timer&#8217;s Package<\/li>\n<li>Deluxe Package (Different by carrier)<\/li>\n<\/ul>\n<p>Most forms of personal property are not covered when stolen from a vehicle on a personal auto policy coverage form.\u00a0 Since your motor home is a self-propelled vehicle, this provision has been altered so that items stolen from your motorhome are not excluded.\u00a0 This is just one reason why it makes sense to consider the additional benefit to be gained by buying an RV Insurance policy over coverage from your personal auto or home insurance.<\/p>\n<h2><span style=\"color: #000080;\">About the Agent and Agency<\/span><\/h2>\n<p>We love working with\u00a0careful personal insurance clients and that includes those who own, operate and enjoy recreational vehicles. Find out how we can assist you in maintaining quality insurance at the least possible cost by calling us today.\u00a0 Ask for Terry McCarthy and 513-779-7920, extension 135. The office is located at 8114 Paul Manors Dr., West Chester, OH 45069. Call or stop by and learn more.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>RV Insurance For Motorhomes, Travel Trailers and Campers Your RV isn\u2019t just about travel, it is about living on your terms. \u00a0We try to provide RV Insurance on the same terms. For many of us the open road and the ability to pick up and move on with a whim is far more preferable to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":17,"menu_order":8,"comment_status":"open","ping_status":"open","template":"tpl-rv-insurance.php","meta":{"footnotes":""},"class_list":["post-127","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=127"}],"version-history":[{"count":9,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/127\/revisions"}],"predecessor-version":[{"id":2327,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/127\/revisions\/2327"}],"up":[{"embeddable":true,"href":"https:\/\/project-011.com\/index.php?rest_route=\/wp\/v2\/pages\/17"}],"wp:attachment":[{"href":"https:\/\/project-011.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}