How Can Motorhome Owners Save on Recreational Vehicle Insurance?
There are multiple ways that motorhome owners may be able to save on recreational vehicle insurance.
First, many insurance companies offer several discounts that owners can explore. These range from good-driver discounts and multi-policy discounts to loyalty and claims-free discounts. An insurance agent can explain all of the potential discounts that a particular company offers.
Second, raising deductibles usually lowers a policy’s premiums. This does involve assuming more risk, and should only be done after careful consideration, but the added risk is normally limited and the savings are sometimes substantial. Again, an informed agent can help motorhome owners see whether this strategy is right for them.
Finally, working with an independent agent makes it easy to compare policies from multiple insurance companies. With quotes from several insurers to compare, owners can easily see what company has the best combination of coverage and price.
Do Recreational Vehicle Policies Cover Personal Belongings?
The vast majority of recreational vehicle policies make coverage for personal belongings available if owners need it, but not all owners need such protection.
Before selecting this coverage, owners should check their homeowners, condo or renters insurance policy to see what personal property protections the policy affords. If the policy offers “worldwide coverage” for personal belongings, additional coverage through a recreational vehicle policy could be unnecessary. If not such coverage is offered through a homeowners policy, coverage for personal belongings probably does need to be included in a recreational vehicle policy.
How Can Motorhome Owners in Vermont Get RV Insurance?
For help finding RV insurance that meets your needs, contact the independent and experienced insurance agents at Paige & Campbell Insurance. Our agents have assisted many motorhome owners in Vermont, and they’re ready to help you.