RV owners should realize how important it is to have RV insurance. Consumers in Webster Groves, MO can get their RV insurance from us at Travers Insurance. Unfortunately, RV owners sometimes make insurance mistakes.
The following are four mistakes to avoid when it comes to RV insurance:
Being unaware of towing coverage offerings
You should make sure that your RV insurance policy includes towing coverage. Towing coverage is important because it ensures that you can get your RV moved to a garage or repair facility if it breaks down.
RVs are expensive to tow because they are so large and heavy. This makes towing coverage especially important on an RV insurance policy.
Failing to invest in adequate liability coverage
RV owners could face expensive liability costs if they are involved in an accident and found to be responsible for the resulting damages.
Investing in only the minimum required amount of liability coverage could lead to severe financial problems for RV owners. That’s why it’s always best to add liability coverage to the basic amount required by the state of Missouri to ensure adequate financial protection.
Neglecting to get quotes from multiple RV insurance providers
Shopping around is one of the most important steps in buying RV insurance. RV owners should never buy an insurance policy from the first provider they get a quote from.
Not understanding how RV usage impacts insurance coverage
Insurance providers typically want to know how much an RV is used. If you live in your RV, you need to let your insurance provider know so that they can adjust your policy accordingly and ensure that the claims you file down the road will be honored.
Consult With Us
If you’re looking for RV insurance in Webster Groves, MO, we’re here to help. Give us a call at Travers Insurance and we’ll provide you with a policy quote today!
If you’ve purchased a used RV, it can be exciting to think about all the ways you can transform your vehicle into the perfect on the road home for you and your family. While do-it-yourself renovations can be fun and cost-effective, they can also take a rough turn if you’re not sure what you’re doing. Travers Insurance takes a look at what you need to consider to decide whether it makes sense to do your own renovations on your RV.
Renovating Your RV
Cosmetic vs. Functional
If you’re debating whether to make a cosmetic renovation to your RV, go for it! Online videos and guides can help you get the look that you want, and cosmetic renovations won’t affect the safety or functioning of your RV. If you’re thinking about making functional renovations, you may need to call in a pro, unless you’ve got the technical know-how to safely make functional changes to your RV.
Equipment: Do You Have What it Takes?
If you have the tools you need to complete renovations on your RV, it may make sense to move forward on your own. If the cost of the tools you’ll need would set you back more than hiring a pro, it’s time to seriously consider whether it’s cost-effective to purchase tools and move forward on your own–or simply hire a pro who can get the job done fast.
Searching for the Right RV Insurance for your Vehicle in Webster Groves, MO?
At Travers Insurance, we’re proud to serve our Webster Groves, MO clients, and we’re excited to get to know you and chat about your insurance needs. Reach out to us or stop by today to learn more about how we can craft the perfect RV insurance policy for you.
If you’re an RV owner, it’s important to ensure you have the right type of insurance coverage. There are many different types of RV insurance policies available, and it can be difficult to know which one is right for you.
Travers Insurance offers this guide on navigating the types of RV insurance coverage available and help you decide which one is best for you.
RV Insurance Coverage: What You Need To Know
1. Liability Insurance
This type of insurance covers damages you may cause to other people or property while operating your RV. It is the most basic type of RV insurance and is required in most states.
If you are involved in an accident, liability insurance from Travers Insurance will cover the costs of repairs or replacements up to the limit of your policy. It’ll also cover the medical expenses of any injuries that you may cause to others.
2. Collision and Comprehensive Insurance
Collision insurance covers the cost of repairs to your RV if it’s damaged in an accident. Comprehensive insurance covers the cost of repairs or replacement if your RV is damaged by something other than an accident, such as a fire or theft.
Both collision and comprehensive insurance have deductibles, which is the amount you’ll have to pay out of pocket before your insurance coverage kicks in. Deductibles are typically higher for collision and comprehensive insurance than they are for liability insurance.
3. Full-Timer Coverage
If you live in your RV full-time in Webster Groves, MO, you’ll need to purchase full-time coverage. This type of insurance covers the same things as a standard RV policy, but it also provides additional coverage for things like contents insurance and emergency expenses. Full-timer coverage is more expensive than standard RV insurance, but it is worth it if you live in your RV full-time.
Give Us A Call
Now that you know the different types of RV insurance coverage available, you can start shopping around for the right policy for you. Make sure to compare rates and coverage levels before making a decision. We at Travers Insurance in Webster Groves, MO offer excellent RV insurance rates and coverage levels. Contact us today for a free quote.
Do you feel comfortable with your RV insurance or think it could potentially be better if you upgraded to a new policy? Thankfully, we at Travers Insurance can help Webster Groves, MO residents and those in the surrounding area.
Do You Need Mechanical Protection?
Are you worried about your RV breaking down and leaving you stranded during a trip? Then, you might want to upgrade to mechanical protection policies to minimize your risks.
Does It Cover Collision?
Do you want high-quality RV insurance? Then, you may want to consider upgrading to a collision policy. Doing so should help to minimize any problems if you crash.
Are You Safe From Liability Concerns?
Did you know that many RV owners suffer from liability problems due to their RV hitting other people? If not, make sure that your policy has you covered to minimize this problem.
Will It Protect Health Issues?
Are you concerned about the potential of people getting sick in your RV or getting hurt if you crash? If so, you should upgrade to include medical expense coverage to minimize your danger.
Could Weather Impact Your Vehicle?
Do problems like rain, hail, excessive heat, and more all occur in your area? Then, you might want a high-quality RV insurance policy that covers natural disasters and this type of severe damage.
Is Full-Timer’s Coverage Necessary?
Do you live in your RV full-time and have no other home? Then, you probably need full-time’s coverage to protect your RV’s interior and keep it operational and efficient.
Do You Want Help?
If you still aren’t sure about what kind of RV policy you want and need help finding one that makes sense, please don’t hesitate to contact us at Travers Insurance. We serve the Webster Groves, MO area.