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A. L. Saland Insurance Solutions, Inc Blog

Is RV Insurance Right for Your “van life” Conversion?

People of all ages are hitting the road across the country in RVs, and also converting vans and box trucks or other vehicles into customized RV-style living. In fact, in Odessa, TX, and throughout the state, creating a vehicle for temporary human habitation pretty much fits the definition and raises the question: what about RV insurance?

Every Great RV Journey Deserves Great Coverage

RVers are required to carry auto insurance for liability and state minimum coverage purposes, but beyond that, there are many considerations. The RV itself should be covered in case of damage or loss, and probably the contents as well. Repairs to the RV, if needed, go beyond typical vehicle reconstruction after accidents. For auto owners, renting a substitute is typical while repairs are being performed, but with an RV, you’re losing more than transportation. At A. L. Saland Insurance Solutions Inc., we can help you package the insurance you need to help avoid big losses, as well as big inconveniences. From Odessa, TX to the open roads, you’ll be ready.

For Special Vehicles and Longer Stays in Your Van Life Conversion

If your van life vehicle is based on a commercial vehicle that would normally have special insurance coverage and usually a commercial license, it’s important to check into these two concerns. That’s especially true of liability, which could well be different from typical RV liability, especially for smaller ones and travel trailers. The definition of RV supplied by the state of Texas also mentions temporary occupancy and standard RV insurance assumes that as well.

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If you’re a long-term RVer of any sort, you’ll want to find out about RV insurance that covers your year-round home. Call us at A. L. Saland Insurance Solutions Inc. and we’ll be happy to help.

Why RV Insurance is a Must For Snow Birds

Many people who live in northern states will head south come the winter. This way, they can skip the harsh winters found in say the Midwest or Northeast and can instead enjoy temperate weather in places like Florida. While some folks own winter homes, others instead live in recreational vehicles. If you’re opting to use an RV, taking out RV insurance is wise. Contact A. L. Saland Insurance Solutions Inc in Florida to explore RV policies that are perfect for snowbirds.

RV Insurance Provides Peace of Mind

Whenever you’re considering an insurance plan, it’s important to study what is and is not covered. Often, you’ll find that with RV insurance you can select from many different plans that provide varying coverage. Understanding the fine print is important with any insurance plan, and it’s important not to draw assumptions about what is or is not covered.

Motorhomes and other recreational vehicles can be very expensive, potentially costing more than your car or truck. In some cases, homeowner’s insurance might provide coverage for an RV parked at your home. Auto insurance may also provide some coverage for RVs that you’re towing with your insured automobile.

However, the coverage provided is often limited. Damage caused by storms or criminal activity (like a break-in) at a winter campground may not be covered at all. Given how expensive RVs are, and also the fact that you may have expensive valuables stored within the recreational vehicle, it’s wise to take out additional RV insurance plans.

If you’re heading to Florida for the winter, you’re likely looking for rest, relaxation, and warm weather. By mitigating risks, you may be able to enjoy better peace of mind.

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Get in touch with A. L. Saland Insurance Solutions Inc to discuss RV insurance options in Florida.

What Kind of Insurance do You Need for an RV?

There are many different types of insurance available for RVs at A. L. Saland Insurance Solutions Inc serving Florida. The type you need will depend on several factors, including how you plan to use your RV. If you only take it out a few times a year for short trips, you may not need as much coverage as someone who lives in their RV full-time or travels frequently.

Some of the different types of RV insurance available include:

Liability Insurance

This covers damages that you may cause to others with your RV. Florida requires all drivers to have a minimum amount of liability insurance. However, you may want to purchase more than the minimum requirement to protect yourself from costly lawsuits.

It is important to note that liability insurance only covers damage to others. It does not cover damage to your RV or any injuries you may sustain in an accident.

Collision and Comprehensive Insurance

This type of insurance covers damage to your RV caused by things like accidents, fire, theft, and vandalism. Collision coverage typically pays for repairs (less your deductible), while comprehensive coverage pays for the replacement value of your RV, less your deductible.

Full-Timer Coverage

If you live in your RV full-time, you will need a different type of insurance than someone who only uses their RV occasionally. Full-timer coverage typically includes all the coverage types mentioned above and additional protection for things like your personal belongings and trip interruption.

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No matter what type of RV insurance you need, A. L. Saland Insurance Solutions Inc serving Florida, can help. We are a full-service insurance agency that specializes in RV and motorhome insurance. We can help you find the right coverage for your needs at an affordable price.

What You Need To Know About RV Insurance

RVs provide the perfect combination of travel and accommodations. Many people are starting to realize the great benefits of RV ownership and even the benefits of living a full-time RV life. If you spend a good deal of time in your RV, you need to make sure you have the proper insurance in place. At A. L. Saland Insurance Solutions Inc. we can help you better understand your RV insurance options in Florida. Keep reading to learn more. 

What You Need To Know About RV Insurance 

RV and Auto Insurance Are Not The Same

The first thing you should know as an RV owner is that RV and auto insurance are not the same thing. RV insurance will provide a wider scope of coverage. This is because the RV will house some of your personal belongings. If the RV also serves as your residence, then you will need to discuss this with an insurance agent. This professional will be able to talk about how you can customize the policy to fully cover you as an RV resident. 

What Does RV Insurance Cover?

RV insurance is similar to auto insurance in some ways. For instance, RV insurance will provide coverage for damage to the RV or to other vehicles if the RV is involved in an accident. If the RV is damaged or lost because of a fire, storm, or even burglary, the policy can pay for repairs or replacement of the vehicle. 

The difference, however, is that RV insurance will also provide coverage for your personal belongings within the RV. If you only use the RV for a certain part of the year, you can also get a specialized policy that is only active during that time. 

If you would like to learn more about RV insurance, please contact us at A. L. Saland Insurance Solutions Inc serving Florida. 

Guide to RV insurance

Florida RV owners should consider purchasing RV insurance before heading out on the open road. RV insurance protects you and your family against damage caused by an accident, helps pay for medical bills resulting from injury, and can protect you against any liability claims while traveling. For additional information about RV insurance, call our agents at A. L. Saland Insurance Solutions Inc to discuss coverage options. 

Is RV Insurance Required? 

By law, you are required to carry a specific amount of insurance coverage for your RV. Any vehicle licensed to drive on the road must have minimum liability coverage. As an RV owner, you must evaluate your travel needs and determine if the minimum coverage is enough to protect you. It may be best to speak with your insurance agent to learn more about your RV insurance options. 

What Does RV Insurance Cover? 

Most basic RV insurance policies include liability coverage to protect you if you cause an accident or damage to someone’s property when driving your RV. Other insurance coverage options are available to include in your insurance policy. Here are some of those additional insurance options available: 

  • Liability insurance: Even though basic policies have this option included, it is a good idea to carry additional liability coverage.
  • Property damage: Damage caused with your RV, such as knocking over a sign or hitting another vehicle; this policy helps pay for the damage. 
  • Bodily injury: Your liability coverage can help pay for medical bills if you injure someone with your RV. 
  • Uninsured and underinsured driver coverage: This section of your policy protects you if your RV is hit by an uninsured driver or a driver who did not purchase enough insurance to cover the damage. 
  • Comprehensive: This section of the policy covers damage done to your RV that is not caused by a collision. 
  • Collision: Damage caused by a collision is covered under this section of your insurance policy. 

Florida RV owners should speak with their agent or call an agent at A. L. Saland Insurance Solutions Inc to discuss their insurance coverage needs. 

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