Recreational vehicles represent different things to different people.  Some enjoy the freedom to pick up and go at any time. For others, it is about having some fun off the beaten path, away from the hustle and bustle of everyday life.

There are numerous types of RVs, but regardless of the type you choose, Phoenix Insurance Group offers the right insurance product to keep you covered.

What Kind of Coverage do RV Owners Need?

RV ownership typically means that you travel frequently and for long distances to explore sights.  Unfortunately, frequent travel can increase vulnerability to accidents, burglary, and random acts of nature.

At Phoenix, we want you to be confident that your insurance will adequately cover any liabilities or damages you could incur, so that you can truly enjoy your time away.  The following coverage options, in additional to standard vehicle-related insurance coverages, can be the solution you and your family need.

Personal Belongings Coverage – Chances are that you brought quite a few creature comforts from home along with you. That’s part of the beauty of using an RV. You can carry the things that matter most wherever you go. Without personal belongings coverage, however, you could be faced with the expense of replacing all the items you bring along.

Full Replacement Cost Coverage – Depreciation can take a big bite out of insurance settlements – especially for items like RVs. If your RV is totaled or stolen, full replacement coverage eliminates the bitter bite of depreciation.

Emergency Expense Allowance – This coverage comes in the form of reimbursement for hotel and food expenses (up to a certain amount for a predetermined total coverage amount) when you become stranded 100 miles or more from home.

Full-Timer Coverage – Some people choose to live in their RVs year round. Whether it’s the allure of constant travel or simply a lifestyle choice to downsize possessions and living space, you’ll need this specific coverage in order to provide better protection for your RV and your possessions.

Types of RVs Covered

Anyone who has purchased a recreational vehicle understands that there are many different types of models available. Believe it or not, there is insurance for RVs available for all the many types of recreational vehicles on the road today, including:

• Camper Trailers
• Motor Homes
• Travel Trailers
• Truck Campers
• Park Model RVs
• All Terrain Vehicles

The bottom line is that if you consider it to be a recreational vehicle and purchased it as such, the odds are good that there is an insurance coverage that’s perfect for your needs.

Saving Big on Coverage?

Recreational vehicles are a substantial investment. Even if you purchased a previously owned model, the costs can be high. The last thing you want to do is pay more for insurance than is necessary. At the same time, it is necessary to have adequate coverage for your RV.  However, there are great ways to save:

1. Bundle your policies with other insurance products from the same carrier
2. Clean up your driving record (if needed)
3. Call Phoenix Insurance Group at 908-879-6500 for an audit of your current recreational vehicle insurance coverage to determine if it’s the right amount of coverage, if you need better protection, or if you are potentially over-insured.