Whether you are exploring the country full-time in your motor home or just enjoy getting away from it all on the weekends in your tent trailer, your RV is part of your lifestyle and often represents a significant investment.
A Leavitt Group agent can help you get the specialized coverage you need with RV insurance. Your Leavitt Group agent can compare rates and coverage between multiple top insurance companies, which means you’ll get the RV insurance that is right for your motor home, fifth wheel, travel trailer, camper, or toy hauler—and at a great, low rate.
An RV is a combination of a home and a vehicle—which presents unique risks. For example, while your home obviously can't hit a deer, your motor home certainly can. Likewise, your car is not at risk for having the water pipes burst in the winter, but your trailer is. Because of these risks, an auto insurance policy just isn’t enough. You need a special RV insurance policy to really protect your investment.
Your Leavitt Group agent has the expertise to evaluate your situation and provide you with the RV policy that is right for you. Here are some important RV insurance coverages and options for RV owners:
Before you go, make sure your RV is ready.
Many RV insurance claims could be avoided simply by remembering to check everything before you start traveling. Ensure awnings, antennas, steps, and other accessories are in their traveling positions. These can all do significant damage to your RV if they are not lowered before you leave.
Staying home for the holidays? Winterize your RV.
If you don’t plan to use your RV during the winter, prepare your RV for a few idle months. Drain the water systems, cover tires, make sure the RV is shut tight to prevent rodents or other critters from entering, remove batteries and store them where they won’t freeze, and winterize generators. These simple steps will help keep your RV protected so you won’t have costly surprises in the spring.
Give your RV tires a good kick.
Make sure your tires are properly inflated. Over or underinflated tires can both be dangerous and increase the risk of tire failure. Also, check your tires for any signs of damage and get them repaired or replaced before you have problems.
Don’t miss your RV check-ups.
Routine RV maintenance can save you time and problems while on the road. Check the roof, body, and bottom of the RV for cracks, leaks, or signs of damage. Check gas lines for signs of leakage. Examine the refrigerator, stove, sink, and other appliances for any signs of damage. Make sure your smoke detector is working and replace batteries regularly. Your owner’s manual or RV dealership should have a complete maintenance checklist for your particular motor home, travel trailer, 5th wheel, tent trailer, camper, or toy hauler.