Purchasing an RV is an exciting and rewarding experience. For many people, it’s the beginning of a new chapter in their lives. For others, buying an RV means family vacations and interesting road trips on which to make lasting memories with family and friends.
Still, there are many factors to consider before embarking on a new journey in your RV. One of those is RV insurance. While no one wants to think of any downsides to a road/camping trip, the fact is that life is unpredictable. That’s why it’s essential to know that you’ll be covered no matter what. Use this advice to ensure every excursion in your RV is safe and pleasurable:
1) Understand the Costs Involved
The decision to purchase an RV shouldn’t be taken lightly. Unlike car, truck, and motorcycle sales, there are many other factors to buying a recreational vehicle. For instance, following the initial purchase fees, you must keep in mind ongoing costs such as vehicle registration/insurance, repairs and maintenance, cleaning/detailing, parking and camping fees, and more.
In addition, some RVs come with a hefty price tag. It’s not uncommon for even a basic new recreational vehicle to command $100,000 or more. Mileage is also a consideration. Though gas prices have declined from previous highs, fuel is not a cheap commodity. Most RVs average between 10 and 12 miles per gallon. That quickly adds up to a major expense for most drivers.
Some owners cut back on other expenses throughout the year to offset these costs, while others treat their RVs as “home base,” living full-time in the vehicle with no other permanent accommodations.
2) Keep in Mind Use and Space Requirements
Just as there are a variety of cars and trucks on the road, there’s no one-size-fits-all plan for RVs. Instead, these vehicles come in many different shapes and sizes and can even be customized to match your unique desires and requirements.
Most RVs can be placed in one of two categories: motorhomes and towables. As the name suggests, towables can only be moved with assistance from an attached vehicle, while motorhomes are free-wheeling automobiles with a separate engine and operating functions.
Another consideration is the amount of storage and leisure space you’ll require on an RV excursion. For example, if you plan to take an extended camping trip in the mountains, you might have equipment and supplies that require storage. In addition, all passengers (including pets) must be furnished with safe riding options and adequate space.
3) Insurance Protects People and Property
Traveling in an RV can be fun and relaxing. However, there are safety issues to keep in mind. Dangers such as improper wheelbase ratios, slide rooms, fire hazards, and more can quickly put a damper on any excursion. In addition, theft and vandalism remain a constant threat. That’s why it’s important to secure comprehensive RV insurance from a trusted and reputable agency.
For years, we’ve been proud to assist in the insurance needs of countless Florida residents. From RV insurance, to fire protection insurance, business, personal lines, and more, our friendly and knowledgeable agents are always glad to help you secure the very best insurance solutions for your unique goals. Contact us today to get started.
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