This is the daily reality for many who like to travel with their RV. Sure, these travelers may protect their vehicles with solid RV insurance. But the truth is that you need more than good insurance coverage if you want to stay safe out on the road. 

Are you gearing up for your next trip? Time to make sure you, your family, and your ride are safe. Keep reading to discover the best ways to protect your RV when traveling! 

1. Change the Locks Before You Travel 

Sometimes, the most effective security tips are also the simplest. Case in point: changing out the locks of your RV as soon as possible, especially before you hit the road. Consider this an easy supplement to your insurance coverage. 

Why is this so important? Many recreational vehicle owners don’t realize that the keys to one RV can often unlock others from the same manufacturer. That means that other RV drivers might be able to steal from you. Or even worse, someone simply buying some manufacturer’s keys off eBay could just unlock the door and steal everything when you’re not looking. 

Changing the locks is quick and easy. Plus, it provides peace of mind that’s completely worth it! 

2. Research Campground Security Ahead of Time 

Most serious travelers park their RVs at campgrounds in different areas when they travel. These campgrounds are a great way to enjoy some of the amenities from home while you’re on the road. And if you’re feeling social, these campgrounds also give you a chance to meet and greet some of your fellow travelers. 

However, a simple truth is that some campgrounds are safer than others. We strongly recommend that you review what security features a campground has to offer before you make a reservation. In some cases, it just takes a bit of research for you to find a much safer place to park overnight, helping you to protect your vacation. 

3. Invest In a Safe 

As a general rule, you shouldn’t travel with too many valuables if you can avoid it. Nonetheless, you can’t really travel without things like cash, credit/debit cards, and other important items. 

To keep these items safe, we recommend you invest in a good safe. In a perfect world, nobody would ever be able to break into your RV to steal anything from you. However, with the right safe, you can have that extra layer of protection for your most valuable possessions as you travel around the country (especially around the holidays). 

4. Make Your RV Look Crazy (No, Really) 

In more ways than you might think, RV theft works a lot like car theft. For example, someone who would steal your entire ride is hoping that they can get your stolen vehicle to blend in so they don’t get caught. Therefore, making sure your RV can’t easily blend in is one of the easier ways to protect your vehicle. 

Adding a bunch of colorful decals or even adding a custom paint job to your RV helps it stand out, all while giving you a chance to express your personality. And would-be thieves are likely to leave your ride alone simply because it now has so many features that are really easy to identify. And this is just a really fun way to stay safe on your vacation. 

5. Install GPS Tracking 

With any luck, your RV will never get stolen. Still, it’s important to take measures now so that you have a backup plan if that happens. And the ultimate backup plan is to install GPS tracking in your vehicle. 

This works the same as installing a GPS into your car, and it helps catch RV thieves the same way it helps catch car thieves. If someone drives away with your ride, the GPS will lead you (and the local police) directly to the thieves who stole from you. 

6. Electronic Security Measures 

Growing up, you probably heard the old expression that an ounce of prevention is better than a pound of cure. With that in mind, it’s best to install certain electronic security measures to minimize the odds of your recreational vehicle getting stolen. 

At the bare minimum, we recommend that your vehicle security system include three components. You’ll want cameras and motion detectors that help alert you to people creeping around outside (and if you have footage of suspicious people, it may help you in the event of future theft). And, of course, you’ll want alarms on your doors and windows that instantly alert you that someone is trying to break in. 

Keep in mind that installing more safety features can help you get a discount on your RV insurance. 

7. Lock It Down When Not In Use 

By now, you’ve probably noticed that the scariest thing that can happen to your RV is that someone steals it right out from under you. Therefore, one of the most effective ways to protect the vehicle when you’re traveling is to lock it down when not in use. 

To begin with, we recommend you use ball and pin hitch locks. A ball lock can keep someone from attaching your unhitched trailer to their truck, and a pin lock can keep someone from unhitching your trailer from your truck. Round things out with a tire boot lock that keeps would-be thieves from going anywhere in the stolen vehicle. 

Give Your RV the Best Insurance Today! 

Now you know the best ways to protect your RV when you travel. But do you know who else is ready to give your vehicle the protection it deserves? 

InsureOne specializes in giving recreational vehicles and those who drive them the protection they deserve and is always ready for you to get a quote online. Alternatively, you can call 800-836-2240 or feel free to come into any nearby offices at your earliest convenience! 

This describes anyone with recreational vehicle that doesn’t have the best RV/trailer insurance. Without RV/trailer insurance, you might just be a single accident away from a large financial loss. Even worse: If you end up causing damage to someone else or their property, you might be stuck with a major bill! 

With the right coverage, you can protect both yourself and your trailer or RV. Still on the fence about the coverage? Keep reading to discover 5 reasons why this insurance is so important! 

What Is RV/Trailer Insurance? 

RV insurance provides special coverage for your RV or trailer. This provides the liability, collision, and comprehensive insurance necessary for you to protect your home away from home. 

Generally speaking, RV insurance is very inclusive. For example, it is designed to cover your motorhome, camper, fifth wheel, campervan, or travel trailer. You can also add different features you may need to fully customize your insurance plan. 

Keep in mind that if you drive an RV or motorhome, you are legally required to have insurance just like you must have car insurance for other vehicles. You are not legally required to insure travel trailers, but doing so is the best way to protect both the trailers and their contents. Now that you know more about what this insurance is, let’s take a closer look at why it’s so important! 

5 Reasons You Need RV Insurance 

1. Car Insurance Isn’t Enough for Trailers 

If you have a travel trailer, you may think it doesn’t need any more protection than your automotive insurance. However, car insurance only offers limited liability protection for trailers. You should be aware there are other major limitations. 

For example, since liability insurance only pays to cover damage that you cause, it won’t pay anything to cover damages to your own trailer. Additionally, liability insurance does nothing to protect the personal property inside your trailer (more on this later). 

If you are carrying anything on or with the trailer, like bikes or ATVs, they won’t be covered by car insurance. Without the right coverage, you could lose everything in a single accident! 

2. This Insurance Protects Your Belongings 

Whether you have an RV or a trailer, one thing is for sure: You have some valuable things inside of it. One of the great benefits of RVs and trailers is that they help us take so much of our belongings from one location to another. 

However, traditional automobile coverage won’t protect the belongings inside a trailer. Something like home insurance is unlikely to offer any protection for your belongings inside the vehicle when it is away from your home. 

With RV insurance, you get the peace of mind of knowing your personal property is covered. If anything gets lost or damaged on your journey, you’ll be able to make things as good as new upon your return. As a bonus, this RV coverage is far more affordable than you might think! 

3. Get Protection From the Elements 

A big part of the fun of owning an RV or trailer is that you can take it on brand-new adventures. Once you get to your destination, you can spend a good, long time there. 

However, traveling into the unexpected means you may face unexpected dangers from the elements. You never know when your RV or trailer may get damaged by things like hail, flooding, or strong winds. You also need to be wary of fire, heavy snow, and even falling trees. 

In short, you never know what to expect when you drive out into the unknown. But RV insurance can provide protection from the elements, allowing you to concentrate on the best part of your road trip: having fun! 

4. Roadside Assistance and Towing 

The idea of your car suddenly breaking down while you’re driving is always scary. It’s even scarier if you break down in an unfamiliar location. You may not know who you can possibly turn to for help. If you have an RV or trailer, you may not want to leave it abandoned by the side of the road. 

Fortunately, if you have RV coverage, you won’t have to. This type of insurance provides both towing and roadside assistance if you need them. That way, you get the assistance you need exactly when you need it. You won’t have to worry about abandoning the trailer or RV in an unfamiliar location! 

At the end of the day, nobody likes to think about car trouble ruining their special trip, but with the right coverage, you can get back on the road in no time. 

5. Flexible Coverage for Your RV Lifestyle 

Different kinds of RV owners use their vehicles in different ways. For example, many owners simply park it in front of their permanent homes and only take it out on occasional road trips. Others live in their RVs for most of the year and, in some cases, full-time. 

No matter how you use your own RV, you can customize the insurance plan to suit your lifestyle. For example, standard RV coverage is fine for those who periodically drive the vehicle on road trips. It provides liability, collision, and comprehensive coverage needed to protect you and the RV in case anything happens. 

Are you one of the people who live in the RV year-round? In that case, you can get very affordable RV insurance that works like homeowners insurance in many ways. This more extensive coverage helps provide liability insurance, medical payments insurance, personal belongings insurance, and much more. 

Get the Best RV Insurance Today! 

Now you know why RV insurance is so important. But do you know where you can get the RV coverage you need at the price you deserve? 

At InsureOne, we’re here to help keep you and your RV or trailer as safe as possible. We are always ready for you to get a quote online. Alternatively, you can pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to come into one of our nearby offices at your earliest convenience! 

Nobody loves a vacation quite like those who own an RV. After all, RV owners just have to pack into the family vehicle and hit the road to start a brand-new adventure whenever they feel like it. 

However, if something happens to the RV, it can ruin the entire vacation. Fortunately, RV insurance helps protect your RV and, by extension, your entire vacation. 

Are you on the fence about RV insurance? Keep reading to discover how it can protect your vacation every time! 

Protecting the RV 

Perhaps the most obvious reason you need RV insurance is out in your yard right now. Yes, we’re talking about your RV and the need to protect it! 

Most RVs aren’t cheap. In fact, some homeowners spend more on their RVs than they spent on their houses. Just as you protect an expensive home with an insurance policy, you need to protect an expensive RV with its own policy. 

With RV insurance, you don’t have to worry as much about the RV getting damaged during your vacation. It’s a lot like having roadside assistance for your car! The insurance will help make all needed repairs, so you’ll still have plenty of money left to make the most out of your road trip. 

Complying With the Law 

Road trips are a perfect opportunity for parents to be role models to their children. The last thing a good role model wants to do is end up on the wrong side of the law. 

You may not realize it, but RV insurance is mandatory just about everywhere. As long as your RV can be driven, it requires insurance protection just as your own automobile requires insurance. 

When you get RV insurance, you get more than a policy that helps protect the RV itself. You also get a policy that keeps you from accidentally violating the law! 

Liability Protection 

One of the key benefits of RV insurance can be summed up in two words: liability protection. 

It’s all too easy to get into an accident on the road while driving your RV. Just like with car accidents, it’s important to determine who is at fault. If you are found at fault for an RV accident, then you will be on the hook for any damage that you caused. 

Paying those damages out of pocket could financially ruin your family. As with car insurance, though, RV insurance provides liability coverage that helps pay for the damage. This lets you put the accident behind you and get on with your vacation. 

Protecting Contents of the RV 

The longer you spend in the RV, the more expensive stuff ends up inside the vehicle. After all, you need certain appliances and other expensive devices if you’re going to be living out of your RV for extended periods. What happens if those expensive things end up getting stolen or damaged? 

Many RV insurance policies offer personal contents coverage. This functions very similar to the protection offered by homeowners insurance, and an insurance payout can help you quickly replace anything that has been stolen. 

Without this insurance, you’d have many out-of-pocket expenses if your RV gets robbed or damaged. With insurance, though, you can quickly replace everything and get on with the fun family vacation. 

Get the Best RV Insurance You Need Today! 

Now you know how RV insurance can protect your vacation by protecting your RV. In this way, it also offers you and your family the protection you deserve. 

This protection brings with it one more benefit, which is truly priceless. When you have a good insurance policy, you can enjoy the peace of mind necessary to enjoy your vacation. 

Are you ready to experience that peace of mind and protect the family vacation? Here at InsureOne, we’re here to take care of all your RV insurance needs. We are always ready for you to get a quote online. Alternatively, you can pick up the phone and give us a quick call at 800-836-2240. Finally, feel free to come into one of our convenient nearby offices! 

RVs are incredibly fun to own. If you have recently bought an RV, you may be wondering about the best motorhome insurance and RV insurance rates. 

RV insurance cost depends on many factors, including where you live, how often you plan to drive it, and more. If you’re asking, how much does motorhome insurance cost, we’ve got answers. Below is a guide about RV insurance rates and more.

RV Insurance Basics

RVs and campers are investments that need protection. Simply put, RV insurance protects against total loss, theft, and damages, as well as emergency coverage if your RV breaks down on the road.

Even if you are not required to have RV travel insurance, it’s a good idea to get coverage. Getting the right travel insurance for your camper requires some consideration.

RV Insurance Rates

While RVs are bigger than cars, they are generally considered to be less of a risk. As such, the cost of insuring an RV is less expensive than a car. 

One of the biggest things that determine how much you’ll pay is the state you live in – each one has its requirements. For example, Michigan is the state with the highest motorhome insurance rates. This is because Michigan requires personal injury protection coverage, which means higher costs for insurance companies when a claim is filed. 

Factors That Affect RV Insurance Rates

There are other factors besides where you live that affect your RV insurance rates:

• The age, condition, and type of RV 
• Your experience driving an RV
• Your driving record
• Where you will travel
• The number of claims you file
• The type and amount of insurance you purchase
• How much you drive your RV

Types Of RV Insurance

• Bodily injury and property damage liability insurance 
• Comprehensive and collision coverage
• Personal effects
• Roadside assistance
• Vacation liability coverage
• Custom equipment
• Total loss replacement

For an RV rental, you may need to purchase temporary RV insurance coverage.

Types Of RV Insurance Discounts

Some potential discounts that may apply to you:

• A good driving record
• Being the original owner of an RV
• Bundling policies
• Paying your annual premium in full
• Being claim-free
• Getting paperless statements
• Going on auto-pay
• Having an anti-theft device on your RV

Many RV owners ask if they can freeze their RV insurance when not using it. You may be able to freeze your policy; however, it’s not recommended. If something happens to your RV while it is parked in your driveway or storage, an insurance policy can help protect it even while you don’t have it on the road.

Where Can I Buy RV Insurance?

Begin by getting a quote. A licensed agent will go over your options and provide you with a quote for the best RV insurance for your needs. Then you can purchase your motorhome insurance and enjoy extra protection while you’re in campers world.

Call InsureOne today at (800) 836-2240 to get your free RV insurance cost estimate. We know you’re busy, so we do all of the hard work for you. We compare life insurance rates from the country’s top insurance companies to get you the best RV insurance rates.

RV Travel Tips

Are you brand new to the RV travel trailer lifestyle? Owning a recreational vehicle is a dream come true for many. However, as a beginner, you may be a little intimidated by your RV and everything motorhome travel involves. It’s not like driving around in a sports car, nor is RV camping anything like tent camping, that’s for sure!

Before you take your RV out on a road trip, there are some things you should know. Below are RV travel tips for beginners and new owners of a camper.

Choose the right RV

One of the first steps to traveling safely and enjoyably is to choose the right RV for you. It all depends on the type of experience you want – you can get anything from a little pop-up camper to a diesel pusher RV. For most beginners, a mid-sized RV is the way to go because they are fairly easy to drive and offer many features.

Most common places for RV traveling and RV travel ideas

People travel in their RV to national parks and other attractions in the US:

• Grand Canyon National Park
• Yellowstone National Park
• Moab
• The Florida Keys
• Big Sur Coastal Highway
• Route 66

There are many great events to enjoy in an RV:

• Coachella
• Daytona 500
• Spring training
• Mardi Gras
• Music festivals

RV traveling tips

Create a checklist. Make a list of precautions and steps to take – including doing a test run before leaving for your trip. 

Consider renting an RV. Don’t want to buy an RV, but are willing to rent one? You can rent an RV to travel across the country. Plan your adventure well in advance to get the best RV rental deals.

Get all the essentials. Make sure you have all of the items you need to operate the RV, as well as accessories and tools to make your trip safer and more enjoyable.

Get a Wi-Fi booster. This will improve the reception, whether you stay in a campground or elsewhere. 

Put aside an RV travel budget. This is the best way to afford the RV lifestyle, especially if you’re on a fixed income. Calculate fixed expenses and take shorter trips to lesser-desired places.

Get RV travel trailer insurance. An RV is a big investment, and you want to protect it. The last thing you want is for something to happen to your RV, and unexpectedly find out it’s not fully covered. 

The price for RV insurance varies by state. Other factors that affect the price are the age and condition of your RV, your RV driving experience, and how often you drive the camper.

To get the best RV insurance price, call InsureOne today at (800) 836-2240 to get your free insurance quote. We know you are busy, so we do all of the hard work for you. We compare RV insurance rates from the top insurance companies in the country to get you the best rates on RV insurance. It’s free and only takes a few minutes. Call us now at (800) 836-2240 to speak to an experienced representative.

Being stuck with an RV that doesn’t work is disappointing, but you can avoid this situation. Below are five things to know when buying a used camper, including what to look for when buying a camper trailer.

The Best Time of Year to Buy a Travel Trailer

Generally, the best times of year to buy a used camper are the fall and early winter. This is when you will find the best deals. Also, it is easier to negotiate with dealers if you go to the showroom in the middle of winter. You can also get a deal on new units during RV and camper shows. Make your purchasing move on the final day when the dealers are likely to offer incentives and reduce prices. 

What to Look for When Buying a Camper

Do a thorough inspection of the used camper—mechanical, electrical, plumbing, interior, and exterior—before purchasing. Look for floor damage, check the tires, and inspect for leaks around the roof, windows, and doors. Make sure the awnings work correctly and inspect for mold and odors from water sources or appliances. Check the engine and look for any signs of rust on the inside or outside of the RV. Also, take it for a test drive to get a feel for how it runs.

If there are items that need repair, make sure the dealer is aware and has a plan in place to help you resolve any issues.

Do Your Research

When you find an RV that you are interested in, do some research on its history. Ask the dealership’s sales associate about any known history of the camper. There are also sites online where you can get a complete history of your RV for a fee. 

To find out if you’re getting a reasonable price, check out a used camper’s value using independent pricing guides or an RV price checker. The NADA (National Automobile Dealers Association) Guide is a great tool for determining a fair price. Get the costs of similar models to get a feel for the market.

Be Sure to Get Insurance for Your Used Camper

Having proper insurance coverage for your camper is essential. Not only will your investment be protected, but your agent can also answer other related questions such as, “Can I drive a motor home with a car license?”

Is a Used Camper Worth It?

Simply put, buying a new RV or travel trailer will cost you a lot more than buying used. The key is to shop wisely and know what you’re buying. Whether you’re shopping for a lightweight camper for yourself or an RV motorhome for the family, buying a used unit can help keep your love of the great outdoors affordable.

Once you find a great deal on a used camper, protect your investment with an RV insurance policy from InsureOne. Let us help you get the coverage you need. Start your free RV insurance quote online or over the phone today.

If you’re buying RV insurance, especially if you’re a novice, and you don’t know very much about it, an important thing to know is that this type of insurance is normally referred to as “specialty or specialized” policies. The reason being, specialty RV coverage offers protection that isn’t available with regular car insurance policies. A prime example of this is if the vehicle is totaled. A traditional auto policy would only give you what is known as “actual cash value” for your RV, which means you would receive whatever it was worth at the time it was totaled. Depending on its age and depreciation, you would probably not have enough to buy a replacement.

However, if you purchase a specialty policy, some insurers offer options that allow RV owners to insure their vehicles for the total loss replacement value. In other words, should your RV be totaled, you’d receive enough cash to buy a new RV of the same make and model. Furthermore, you may be reimbursed for emergency expenses if your RV is in the shop for repairs or uninhabitable. Lodging, meals, and transportation would also be covered if you were stranded. Keep in mind that emergency expense coverage varies, and you should check with your insurer to get all the details of your policy. Don’t assume. If you don’t know, ask.

Owning and operating an RV isn’t cheap, so when it comes to saving money, you may want to ask your insurance company if your RV policy includes what‘s known as “diminishing deductibles”.  This is coverage that reduces your financial burden over the life of your vehicle. Here’s how it works:

After each claim-free year, the deductibles for the comprehensive and collision parts of the coverage are reduced by a set percentage of the original deductibles until they reach zero. To simplify things, let’s say both the collision and comprehensive have $1,000 deductibles. If the deductibles are reduced by 25 percent ($250) each year you don’t file a claim, at the end of four years, your initial deductible would be down to zero. If the option is offered to you by your insurance agent, take it. It’s well worth it.

Remember, RV insurance isn’t traditional insurance or high-risk auto insurance…it’s “specialized” insurance. Make sure you have it before you hit the road this summer.

Anytime you head out on vacation, it’s always a good idea to check you’re getting the best rate on your car insurance. Why not get a free car insurance quote today?