RV Insurance and the Toy Hauler

Here is what you need to know when buying RV insurance. Why you need insurance and what’s available. I will touch on the special needs of the Toy Hauler, from the industry we love to dislike.

    RV Insurance should be on your check list of things to investigate when choosing a Toy Hauler. While a trailer may not require much of an insurance investment, a Motor Home will be quite expensive, and the cost will vary substantially depending on your driving record.


 

Special needs of the Toy Hauler include:

·         the added risk of fire (onboard fuel tank)

·         contents coverage (toys are good theft targets)

    Having an onboard fuel station increases the risk of fire and the fuel tank will magnify the intensity of that fire if should one start. Make sure your insurance carrier is aware of this. There is nothing worse than having a claim denied because the carrier was not, properly informed of the unique features that your RV has.

Jerry's Law: Protect Thyself and Thy Toys from loss.

Do not make the mistake of assuming that the contents of your Toy Hauler are fully insured just because you have a policy for the RV. There are usually dollar limits on the loss of contents in an RV. And worst of all your Toys may not be covered at all. Again, see Jerry's Law above. Be sure your carrier knows what you needs are.

    In addition to the usual coverage, make sure you have theft coverage, as many of our toys are highly sought after by thieves. Many a playground vacation has been ruined by the theft of our treasured toys. Why add the grief of knowing they were not insured?

    I’d look first to my auto insurance policy carrier for an RV insurance policy. In my case State Farm. My agent knew my situation and quickly covered my insurance needs with very minimal fuss.

    If you have special needs or have that big bucks unit to insure, I strongly recommend that you shop around. Many of the best carries will give free online quotes. I know they can be a pain to fill out, keep in mind−the more you save the more you PLAY!

    Another way to go is joining an association that offers insurance at a discount to their members. I would hint that you should choose only big names, a couple that come to mind are the Good Sam VIP program and theFamily Motor Coach Association (FMCA). They’ve been around a long time and will likely be there when you need them.

    The bottom line? Make sure your %$$ and your toys are covered.