Americo Direct Insurance

For many families, their RV is their home away from home. However, no matter how frequently or not you utilize your RV, it is vital that you take the proper steps to protect your investment by purchasing a specialized RV insurance policy. The mistake many RV owners make is simply adding their RV to their auto insurance policy. While this offers these individuals a certain amount of protection, it can be more beneficial for these RV owners to consider upgrading to a specialized RV insurance policy. This is due to the fact that standard auto insurance policies may not cover everything you need them to. Here are just a few of the many things you should ensure are covered under your RV insurance policy.

Roadside Assistance

Many insurance policies now include roadside assistance that offers towing up to a certain distance. However, these policies may not cover towing for your RV, which could be a large expense should you break down far from a town. For this reason, you will want to make sure that your RV insurance covers towing for your RV. Furthermore, you may want to consider a policy that provides temporary housing while your RV is being repaired, since, depending on where you were when you broke down, it is likely that your RV would not have been towed all the way home for repairs.

Personal Liability Coverage

When you park your RV at a campsite, you may be liable in the event that someone is injured in, on or even around your RV. However, it is also likely that your general auto insurance would not protect you during this scenario. This is where having a more specialized RV insurance policy can be beneficial as it will cover you in the event that you become responsible for someone’s injuries they acquire near your RV.

Personal Property Coverage

A standard RV insurance policy through your auto insurance would likely cover the repair or replacement of your RV should something happen to it, but it is likely that it would not cover the contents inside of your RV. Being your second home, it is likely that you store thousands of dollars in personal belongings including clothes, electronics, housewares, linens, dishes and even food inside of your RV. For this reason, you will want to ensure that you choose an insurance policy sufficient to cover the cost of replacing your personal belongings that were within your RV.

Purchasing a proper RV insurance policy is imperative for any RV owner. In the case that disaster strikes. Having an RV insurance policy will ensure you are taken care of properly and that you are able to replace what was lost to you. Contact us to find out more about RV insurance, as well as to find out how much RV insurance you need for your RV.

Get the coverage you need. Call Americo Direct Insurance at 214-374-9997 for more information on Dallas RV insurance.

Before you hit the road in your RV, talk to your insurance agent and make sure that you are fully covered for any situation you might encounter. RVs are part vehicle and part home, and the right insurance coverage will reflect both of these realities. Here are five options you may want to consider adding to your RV insurance policy.

1. Medical Payment Coverage: This covers the cost of medical treatment that is needed due to an RV accident. It will cover necessary medical treatment regardless of fault.
2. Emergency Expense Coverage: Insurance companies recognize that when something happens to your RV, chances are, you are far from home. This coverage can help pay for your hotel and transportation expenses if your RV experiences a covered loss while you are on vacation.
3. Vacation Liability: This covers your liability toward other drivers. Mainly, it covers bodily injury and property damage that a third party suffers by your hand.
4. Total Loss Replacement: If your RV is totaled, this coverage can provide you with a new comparable RV. The replacement cost you receive from your insurance is based on the age of your RV and the actual cash value of your RV. If your RV is totaled within the first four model years, many plans offer you a brand new comparable RV. If your RV is totaled within the fifth through seventh model years, you are generally offered the actual cash value of your RV or the original documented purchase price. After the seventh model year, the settlement value is based on the current cash value of your RV.
5. Replacement Cost Personal Effects: Insurance companies recognize that as second homes, your RV contains many personal items. You can purchase replacement cost coverage as low as $1,000 or up to $100,000. Make sure your replacement cost coverage is high enough to cover all the personal items that you generally carry in your RV.

Get the coverage you need. Call Americo Direct Insurance at (214) 374-9997 for more information on Dallas RV insurance.

Many renters overlook buying renters insurance because of they believe it to be an unneeded cost. However, here are five things to consider about renters insurance that you might not have been aware of before:

1. Landlord is not responsible: Your landlord is not responsible for the items that you have inside of your apartment. This is why many landlords require that their renters have renters insurance. With insurance, you're covered in the case of fire or theft. Without it, your losses must be paid out-of-pocket.
2. Not all policies are the same: You can personalize your insurance coverage to meet your needs. Coverage amount can be anywhere from $10,000 to $100,000. Some policies will replace lost items from a fire or theft and some will just give cash for the total cost of the items lost. Ask your agent about the details of your policy.
3. Affordable: Most of the time, renters insurance is avoided because people believe it will cost much more than what it's worth. However, the average amount for having renters insurance is about $15 to $30 per month. The cost will vary depending on location, as well as the type of property you live in.
4. It is worth it: You might think that all of your items are not worth covering. However, if your computer, your phone or all of your clothes are lost, think about how much you would have to spend to replace it all. Having renters insurance is definitely worth saving your money on replacing every single item in your possession.
5. Extra protection: Renters insurance can also provide liability coverage. This means if someone is hurt in your apartment, the medical and legal costs can be covered.

Renters insurance is definitely worth having. Call your agent to get started today!

Learn about your coverage options. Call Americo Direct Insurance at (214) 374-9997 for more information on Dallas renters insurance.