What’s Covered by a Comprehensive RV Insurance Policy

The average cost of an RV lies between $20,000 and $100,000. However, you might need to spend as much as $2 million for a luxury model. In order to safeguard such a significant investment, you need not only the minimum insurance required by law but also comprehensive coverage.

What Does Comprehensive RV Insurance Cover?

Comprehensive RV insurance protects against a wide range of incidents. Compensation is provided if your RV is vandalized or stolen. Additionally, coverage is extended to weather-related incidents and collisions with animals. Importantly, the cost of repair or even replacement of your RV is covered if it gets damaged in an accident, irrespective of who was at fault. Despite these advantages, comprehensive insurance does not cover roadside assistance, loss of personal items in your RV, or emergency costs. It also doesn’t provide the minimum liability and bodily injury coverage required by law in most states.

Residents of Cumming, GA should also note that the terms and conditions of comprehensive RV insurance policies differ based on the insurance provider. Moreover, the deductible you choose will influence your compensation if an unfortunate incident occurs. A high deductible will reduce your premium cost. However, if something happens to your RV, you’ll have to bear a higher out-of-pocket expenditure.

Reach Out to Wichalonis Insurance Agency for RV Insurance

Wichalonis Insurance Agency in Cumming, GA collaborates with reputable insurance carriers, including Progressive, Openly, Nationwide, Travelers, Grange, and Encompass. We offer various policy options for RVs of all brands and models. Furthermore, we provide customized assistance to ensure every customer selects the policy that best suits their requirements and budget. Contact us to learn more about RV insurance or to request a policy quote.

Do I Need Full-Year RV Coverage in Cumming, GA?

The short answer is yes. At Wichalonis Insurance Agency, we understand the unique needs of RV owners and are here to help you make an informed decision when insuring your recreational vehicle. Consider full-year RV coverage in Cumming, GA, especially if you want to protect your investment and have peace of mind throughout the year.

Why Full-Year RV Coverage Matters

While it’s true that many RV owners only use their vehicles for a few months out of the year, there are still risks involved during the off-season. Theft, vandalism, and weather-related damage can occur, regardless of whether your RV is on the road or parked in storage. With full-year coverage, you don’t have to worry.

Comprehensive Protection for Your RV

Full-year RV coverage typically includes comprehensive and collision insurance, which covers damages caused by theft, fire, vandalism, and other non-collision events. It also covers damages resulting from a collision with another vehicle or object. This level of protection ensures that you have coverage for any incidents that may occur while your RV is in use or stored away.

Customizing Your RV Coverage

When deciding on the right coverage for your RV, consider factors such as the value of your RV, how often you use it, and where you store it during the off-season. By considering these factors, we can help you tailor a policy that provides the right amount of protection without breaking the bank.

Contact Wichalonis Insurance Agency for Expert Help

If you’re an RV owner in Cumming, GA, and are considering full-year RV coverage, let Wichalonis Insurance Agency help you make the best decision for your needs. Our team of experienced professionals is here to guide you through the process and provide personalized solutions for your recreational vehicle insurance.

Common RV Safety Hazards

When it comes to long-distance travel, few modes offer the freedom and adventure that RVing offers. As a mode of transportation, it provides the space to camp where you want, when you want. It also allows travel in style and comfort, with amenities like air conditioning and televisions. But with this kind of freedom also comes a variety of safety hazards.

If you’re planning to leave Cumming, GA, Wichalonis Insurance Agency has some tips to keep you and your RV safe for a camping trip in an RV.

Guard Your RV Against Fire

Fires are the most significant cause of RV loss in the United States. According to the National Fire Protection Association, over 2,000 RV fires happen yearly. Many things cause an RV to catch fire, including faulty wiring, appliances, and improper storage. To keep your RV safe from fire, here are a few tips to keep in mind:

  • Always have at least three fire extinguishers in your RV.
  • Plan and memorize your escape routes. (Have at least two.)
  • Check all your 12-volt connections to avoid shorts.
  • Inspect for leaking fluids.
  • Turn off all propane appliances and shut off the tank before driving.

Be aware of your RVs height and weight.

Many accidents happen because of a lack of clearance. Ensure your RV has enough support to avoid hitting objects in your path. This includes high things like trees, power lines, and obstacles that need more space, like mailboxes and fire hydrants. Don’t take turns too fast, either.

Be aware of other drivers.

The "See and Be Seen" rule applies to motorized vehicles, including RVs. Make sure other drivers can see you and that you can see them. Always use your turn signals and headlights.

Things can go wrong when you’re trying your best to be safe. If you have an accident, a good RV insurance policy can help you get back on your feet. If you own an RV in Cumming, GA, contact Wichalonis Insurance Agency for more information.

Why you need optional coverages in your RV insurance policy

Your RV acts as your home and car when you’re out there. So it makes sense to have proper RV insurance in place to protect all the vital aspects of your home on wheels. RV insurance is more similar to auto insurance than home insurance as it involves driving to move from one place to another. 

At Wichalonis Insurance Agency, we recommend getting all the required coverages and speaking to your insurance agent about other coverages that can fill the gaps left. Remember you need to carry the minimum liability coverage if you own a drivable RV in Cumming, GA. Here are a few reasons why you should buy additional coverages.

To protect your personal belongings

If you live in your RV or spend most of your time in your RV touring vast Georgia and other surrounding states, you may want to pay extra attention to your personal belongings coverage. If you have extremely valuable items in your RV, a separate policy for them would be a better idea.

There will always be an emergency 

No matter how well you plan your trip, there will always be something escaping your mind, such as forgetting to carry your flashlight or locking the door properly. Depending on the level of forgetfulness, you may want to make sure that you have enough coverage in case of accidents.

Peace of mind

Whether you’re planning a short or long trip, you want to enjoy every bit of the journey without worrying about your safety and other financial needs. Most optional coverages such as roadside assistance and vacation liability are designed to provide peace of mind that whatever happens, your policy has you covered.

We can help you

At Wichalonis Insurance Agency, we care about your safety. To learn more about RV and other insurance options, feel free to contact us or visit our Cumming, GA offices at your convenience.

Does RV Insurance Still Cover Your Motor Home If You Use It As A Residence?

Instead of limiting themselves to owning a home and staying in one place, many people, especially retirees, have chosen to purchase motor homes and use them as their permanent residence. The nomadic lifestyle allows them to stay in one place as long as they like before moving on to their next adventure. The agents of Wichalonis Insurance Agency serve residents in Cumming, GA by helping them find the right type of RV insurance to meet their individual needs. 

Mandatory Coverage

Since motor homes are driven on the highways, they must carry mandatory insurance to cover your liability. Just like automobiles and other vehicles, motor homes must be covered by insurance as long as they can be driven on the roads. There are several types of RV options that you can purchase that will cover both your personal property as well as allow you to maintain the mandatory coverage required by law.

Your Permanent Residence

As your permanent residence, your motor home will hold your personal possessions. With the right RV insurance, you can protect your belongings as well as protect yourself from financial loss if someone visits you and is injured while they are in your motor home. 

RV insurance is a must-have if you plan on using your motor home as your permanent residence. The agents of Wichalonis Insurance Agency are available if you have any questions. If you live in the Cumming, GA area and are planning to purchase a motor home and use it as your permanent residence, call and talk to an agent at your earliest convenience. We will find the right RV policy for you!