Category: RV Insurance

Are you aware of what your recreational vehicle insurance policy covers and does not cover? Review the information below. It will familiarize you with the types of situations that will require an insurance claim to be filed.

Coverage Types

Liability Protection

Liability protection prevents legal expenses from spiraling out of control and handles costs associated with repairing a vehicle or property. For instance, your liability insurance will protect you if you drive your recreational vehicle and hit another motorist’s vehicle.

Loss Of Use

Your recreational vehicle insurance policy may cover loss of use. This coverage applies to any damage that makes your vehicle inoperable. It will pay for vehicle repairs and may also cover the cost of purchasing a replacement RV.

Exclusions

Improper Care

Maintaining your recreational vehicle is your responsibility. If you fail to take care of your vehicle, the damage it endures will not be covered by your recreational insurance policy.

Any incidents that happen will need to be assessed during the claims process. If an insurance adjuster determines that damage occurred due to the failure to maintain your RV, your insurance claim will be denied.

Standard Wear and Tear

Your RV will undergo standard wear and tear. If you use your vehicle frequently, parts may break prematurely. In spite of this, you cannot expect your RV insurance policy to handle the cost of replacing any damaged items. Your insurance policy will not cover mechanical parts that break down from normal use.

Contact Greater Tulsa Insurance Inc.

Please schedule an appointment with one of our Greater Tulsa Insurance Inc. representatives. An agent serving the Tulsa, OK, region will provide additional information about RV insurance exclusions.

There are a wide variety of recreational vehicles. Some are motorized; some aren’t. However, only motorized RVs require insurance because they are actually houses on wheels. Motorized RVs are similar to cars because they can be driven on streets and highways. All states require motorized vehicles to carry liability insurance. Greater Tulsa Insurance Inc. is dedicated to helping Tulsa, OK RV owners get the insurance coverage they need.

What is RV Insurance?

RV insurance is designed to protect your RV, other drivers, and you in the event of an accident or wreck, just like conventional auto insurance. However, RV insurance, like car insurance, has different coverage levels. Liability coverage will only cover damage to other people’s property, vehicles, and injuries if you cause physical harm or damage during a wreck. Motor home insurance is similar to auto insurance in that state laws require motor homeowners to carry liability insurance. This coverage pays for accidents that you are responsible for causing or deemed at fault. However, it’s possible that you may be required to carry more than liability coverage if you are financing your RV. Lenders usually require more than liability coverage until your loan is paid in full. 

I only drive my RV once a year. Do I need insurance?

Yes. If you own a motorized RV or motor home, you’re legally required to carry liability insurance. However, you may have to carry more if you finance your RV. This requirement is usually part of a loan agreement, not a state requirement. Auto liability coverage is a state requirement, however. If you have more questions about RV insurance, we’d be happy to answer them. Call us at Greater Tulsa Insurance Inc. in Tulsa, OK.  

For RV enthusiasts in Tulsa, OK, upgrading or modifying your recreational vehicle can enhance your travel experience and make your journeys even more enjoyable. However, it’s essential to understand how these changes can impact your insurance coverage.

The importance of updating your policies to ensure continuous protection for your RV:

Adding new features or equipment:

Upgrading your RV with new amenities, such as a satellite system, solar panels, or additional electronics, increases its value. As a result, you may need to adjust your insurance policy to cover the increased value and ensure you’re adequately protected.

Altering the RV’s structure:

Structural modifications, such as adding slide-outs, extending the length, or altering the interior layout, can also affect insurance coverage. These changes may require a policy update to reflect the updated value and potential risk factors.

Performance upgrades:

Enhancements that improve your RV’s performance, such as engine upgrades or suspension modifications, can impact your insurance rates. In some cases, these changes may result in higher premiums due to increased risk, while in others, they could lead to potential discounts if they improve safety.

Custom paint or graphics:

If you decide to invest in a custom paint job or add unique graphics to your RV, it’s essential to update your policy to cover the increased value of your vehicle.

Looking for RV Insurance in Tulsa, OK?

To ensure that your RV remains protected after upgrades or modifications, it’s crucial to work with an experienced insurance agency like Greater Tulsa Insurance Inc. Our knowledgeable team can help you review your existing policy and make any necessary adjustments to accommodate the changes to your RV. Contact Greater Tulsa Insurance Inc. today to talk about your insurance options and make sure your RV remains protected, no matter where your travels take you.

Many people use the term RV as a catchall for any kind of home on wheels. However, there are differences. There are many homes on wheels that aren’t motorized. Typically, RVs are motorized, which qualifies them as a vehicle of some kind, requiring insurance similar to car insurance. However, a 5th wheel isn’t motorized and isn’t classified as an RV.

Our Tulsa, OK team at Greater Tulsa Insurance Inc. understands that insurance requirements and differences between various travel trailers can be confusing. We’re here to take the guesswork out of insurance requirements. 

Do I need RV insurance for a 5th Wheel?

A 5th wheel isn’t motorized and isn’t considered an RV. As a result, RV insurance isn’t a requirement if you own a 5th wheel. A 5th wheel is considered a travel trailer because it must be towed and you aren’t required by law to carry insurance on the 5th wheel. However, you may want to anyway. You will need to invest in travel trailer insurance to cover any physical damage. However, keep in mind that travel trailer insurance may not be optional if you’re financing your 5th wheel. Often, a lender will require you to carry insurance for physical damage until your 5th wheel is paid off. 

Get RV Insurance Today

Travel trailers are non-motorized homes on wheels. Only owners of motorized RVs are required to carry liability insurance similar to auto insurance. Technically, an RV is still a vehicle, even though it’s a home on wheels. If you have questions about what kind of insurance would be best for your 5th wheel, call us at Greater Tulsa Insurance Inc. in Tulsa, OK. We can help you explore your options and find the coverage that is best for you.