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Owning an RV is a great way to see the country and spend time with family and friends. However, it’s important to remember that RVs are a significant investment, and you’ll need to purchase insurance to protect your investment. Here are a few tips to help new RV owners find the right insurance policy:
1. Determine What Type of Coverage You Need
There are several types of RV insurance, and choosing a policy that meets your specific needs is important. If you’re financing your RV, your lender may require you to purchase comprehensive and collision coverage. If you’re not financing your RV, you may still want to buy these types of coverage to protect your investment.
2. Consider Your Deductible
While a lower deductible may mean you’ll pay more in premiums, it could also mean that you’ll be less likely to have to pay out of pocket for repairs in an accident. Conversely, a higher deductible could mean you’ll pay less in premiums, but you may have to pay more out of pocket if you’re in an accident.
3. Get Written Quotes
When you’re shopping for RV insurance, be sure to get written quotes from multiple insurers. This will allow you to compare rates and coverage options side-by-side. However, be sure to compare apples to apples when you’re comparing quotes. For example, ensure the policies have the same coverage limits and deductibles.
4. Read the Fine Print
Before you purchase an RV insurance policy, be sure to read the fine print. This will help you understand what’s covered and what’s not. For example, some policies may not cover damage caused by weather or rodents. Rather than make assumptions, it’s always best to ask questions and get clarification.
Get RV Insurance in Surprise, AZ
Now that you know what to look for in a policy, Giles & Iten Insurance can help you find the right coverage for your needs. Give us a call for a free quote. We’re here to help you protect your investment.
