Many Flat Rock RV owners find it seemingly practical to skip buying their travel trailer insurance and put their RVs under their car insurance policy. This actually allows one to save some money on premiums, but not in future costs. Unfortunately, RV owners only realize their mistake when their vehicle has been towed, robbed or broken. The truth is, the only way RV owners can save on their travel trailer insurance is to get the right form of insurance; it may be steeper than attaching it with your car’s premium, but it protects you in the longer run.
Your travel trailer is more than a car. It’s your home when you’re on the road. It has so many features a normal car wouldn’t have, like awnings, slide outs, ref, over, television and a satellite disc. You want to protect these belongings as well as the vehicle itself, and the only way to do that is to get a proper travel trailer insurance.
As you look for insurance service providers and plans for your travel trailer, make sure you check these options to insure the most comprehensive policy:
- Total Loss Replacement. Once your travel trailer is totaled, this form of coverage will give you a brand new replacement if you are its first owner and it is less than 5 years old. If you bought a secondhand RV or have used it for more than the said period, you can redeem the purchase price equivalent to your vehicle.
- Personal Contents Coverage. Get a refund to replace the items in your vehicle; this covers the big items such as appliances, to the small ones such as jewelry and clothing.
- Towing and Roadside Assistance. During your journey, you need to have a peace of mind that your travel trailer insurance company will back you up in case your vehicle breaks on the road. Some of these plans include locksmith, fuel refill and battery recharging. It’s also best to have this coverage 24/7.