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If you own one or more recreational vehicles in Commerce, GA, chances are you probably store them on your property when they are not in use. Whether the RV is a motorhome or a smaller vehicle like a snowmobile or personal watercraft, you want to protect your investment. Those new to the world of recreational vehicles often believe that homeowner’s insurance will protect their RVs while stored on their property. Commerce Insurance Agency can help you determine whether you have sufficient coverage for your big toys.
Read Your Homeowner’s Policy
Most homeowner’s policies will provide some protection when you store recreational vehicles on your property. Most of the time, you must store the vehicle in a garage or another type of shed to keep the vehicle out of the elements. However, each company and policy is different, so reading the coverage provisions is vital to knowing what is covered, what is not, and how much of a deductible you will need to pay in case of a claim. If you have a large motorhome, fifth wheel, or if your RV is quite valuable, considering standalone RV coverage may be in your best interests.
Consider Dedicated RV Insurance
Just as your auto insurance will only offer you minimal protection for recreational vehicles, so will your homeowner’s insurance. A better solution is to buy a recreational vehicle insurance policy to protect your RV, whether on the road or at home. Some companies may have provisions for lower premiums if you keep your RV garaged for an extended length of time due to reduced risk.
Let the professionals at Commerce Insurance Agency, serving Commerce, GA, help you find the right solution for protecting your RV at home. Contact our office today for an appointment to start your insurance protection.
