Taking a vacation in an RV is fun for the entire family, but RV’s (Recreational Vehicles) can be costly to purchase. Consider renting an RV like you would rent a car and don’t forget to get the best coverage you can before hitting the road.
RV’s are harder to maneuver then a car or truck, but once you get the hang of it you are off and running. When renting an RV there is insurance coverage available for damages for an accident and a general liability coverage. What you may not realize is that these plans may not offer insurance for the interior, appliances, tables, beds, furniture and basically the upkeep of the interior itself. Like renting a home, take pictures of the RV inside and out before you pull out of the parking space.
Qualifying for RV rent insurance, requires a valid driver’s license and certain age requirements which vary state to state. Your auto policy may have limited coverage already in place for RV’s and you should contact your insurance carrier to see what is available or if they can add it.
Peace of mind when on vacation is essential and knowing that you are insured for any problem, just makes your time taking in the beach, country side or visiting a national park that much more enjoyable.
You have cleaned out the attic, basement, the garage, or you are moving and need to store items you simply do not want to get rid of. Where to go? A self storage Unit facility. Whether it be a car, furniture, or that collection of glassware that has been collecting dust, are your items covered by the storage company’s insurance policy?
When you rent out a self storage unit, you are basically renting a room. You do not live in this room, but your items have a place there. You have a contract or policy to follow, pay on the storage unit every month and you have access to your items to take out or add more when you want. Some facilities offer you a basic coverage in case of theft or fire and you pay a small extra fee every month, but does their insurance cover the cost of your items if they need to be replaced?
Just like getting coverage for you personal items with renters insurance, self storage insurance is similar. You need to determine what insurance coverage you need by figuring out how much the items you are storing are worth. If the storage facility has the coverage you need there is no reason to purchase more. If you have items that are worth more money, a house full of furniture, etc then purchasing a policy for more coverage would be wise.
When you are looking for coverage, figure how much it would cost to replace your items. Make a list of what you have, and write down on the list serial numbers if available and keep your list and receipts for any purchases if you have them in a folder. As you add or take out of the storage unit, go back to your list and make the necessary changes. Make sure your policy will cover you for anything that can happen to your property such as theft, fire, flooding and more.
Call us today to get your questions answered. 863-453-3903
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Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc
Serving all of Florida
More people are concerned with being (Green) eco-friendly even the Recreational Vehicle Industry is taking notice. RV’s are still a popular mode of transportation for traveling, but because of their size and the amount of gasoline they use, they leave a huge carbon footprint.
Manufacturers are building lighter mobile homes, using recycled materials to build RV’s, designing aerodynamic models to save on fuel. Adding solar panels to Recreational Vehicles will save electricity for items inside the RV.
Hybrid models with diesel engines and batteries are also being manufactured. These RVs use battery power for city and slower driving, and both the battery and diesel engine at higher speed. There are also convertible minivans that are being designed to be more comfortable yet use less fuel. Recreational Vehicle Insurance companies are also interested in RV’s that are smaller, making them easier to drive.
Currently there’s good news about traveling in an RV. According to a study done by PKF Consulting, a research firm specializing in travel and tourism,a families of four taking RV vacations generate less carbon dioxide than families traveling on a plane, renting a car and staying in a hotel. As consumers continue to press for RV’s that are green, the industry will have to comply.
You can also do things to make your RV more green. Purchase Energy Star appliances for your Recreational Vehicle, turn off lights and appliances when not in use, if you tow your car use it for short drives after you’re settled for your vacation. Just as you do at home, do in your RV.
Whether you’re buying a new RV or making updates your own RV to be more eco-friendly, be sure that your Recreational Vehicle Insurance is current. Besides lowering the carbon footprint you leave, you want to be secure that your RV is covered in case of an accident.