Most auto policies won''t replace stolen or damaged personal property. If you insure your RV on your auto policy, it typically doesn''t include coverage for clothes, cameras, tools, bicycles, dishes and other personal property. That''s the job of your homeowners policy. Unfortunately, only 10% of your homeowners personal belongings insurance limit can typically be used to cover off-premises property (i.e., in motorhomesupplies your RV). That may not be enough. Plus, you may be stuck paying a $250 or higher deductible. Specialized Recreation motorhomesupplies vehicle insurance policies should provide high limits for personal property, a zero deductible on belongings coverage, plus optional replacement cost coverage so you can motorhomesupplies replace stolen or damaged items with new items of similar kind and quality. Attached accessories may not be covered. If you add awnings, antennas, a satellite dish or other attached accessories to your motor home or trailer after you buy it, many insurance policies won''t cover them. Unfortunately, these expensive items are commonly damaged. Make sure you buy a policy that covers these items, even if you add them after you buy motorhomesupplies the RV.

Collision With Low Branch or Overhang Covers damage to your RV and attached items like awnings and A/C Units. Collision With Another Vehicle Covers damage to your vehicle when you are involved in a collision with another vehicle. Ask about Diminishing Deductibles. Theft Covers Theft of Your RV Theft of your RV is covered under your comprehensive coverage with your choice of deductible. Flood Covers your RV and its contents from damage caused by high water. Fire Covers your RV and contents that are damaged or destroyed by smoke or fire. Windstorm Covers your RV, plus items like awnings and satellite dishes that are damaged by wind. Emergency Expenses Covers lodging, rental car and/or travel home if your RV is not useable due to a covered loss more than fifty miles from home. 24-hour Roadside Assistance "Sign and Drive" coverage pays for unlimited expenses to get your rig to the nearest qualified repair facility. Includes: Towing, locksmith, breakdown, battery failure, flat tire, delivery of fuel, and entrapment in snow, mud, water, motorhomesupplies or sand.

©2003 www.motorhome-fulltimer.com All rights reserved.