Category Archives: RV Insurance

Recreational Vehicle Safety Tips

Avoid any delays and unexpected problems when you take your recreational vehicle out for what should be a relaxing trip. Follow some of our suggestions below, and consider investing in some maintenance and safety classes to help ensure happy travels.

Take Care of Your Tires

  • When you’re not traveling, keep tires covered to protect them from the sun and weather.
  • Make sure you check your tire pressure before setting out on the road, especially when they’re cold.
  • Consult the owner’s manual for proper inflation, and never exceed the maximum pressure indicated on the tire’s sidewalls.

Weigh Your RV and Tow Vehicle

To know if weight is properly distributed and that you are within legal weight, be sure to find a certified platform scale and get weighed. Have the vehicle fully loaded with passengers, cargo, fuel, personal belongings, full fresh water and propane tanks to get an accurate weight.

Understand Propane and Gas Systems

Have the propane and gas systems inspected every spring for leaks and proper appliance operating pressure. Be sure you know how your RV alerts you to leaks, and know what to do if one occurs. Here’s some easy things to do if you smell gas/propane:

  1. Extinguish any open flames and pilot lights.
  2. Do not touch electrical switches.
  3. Shut off gas supply at the tank valve(s) or gas supply connection.
  4. Open the doors and windows and leave until the smell clears.
  5. Have the gas system checked and repaired by a qualified technician before using again.

Use the Onboard Generator Sparingly

The onboard generator gives you extra power when there’s no shore power available, but be wary of carbon monoxide.

  • Never sleep with the generator running, and before you start the generator inspect the exhaust system.
  • Test the carbon monoxide detector, and know the symptoms of carbon monoxide poisoning so you can watch out for it.

Lowering the Cost of RV Insurance

Insurance might be a necessity, but spending lots of money on it isn’t. We know that you’d rather be mapping out your next destination instead of worrying about your bank balance, so read our recommendations below and start saving.

Splurge on Souvenirs Instead of Insurance

  • Safety saves Not only is it smart, but a clean, safe driving record can also lower your rates. The safety equipment you choose for a vehicle may mean discounts. Ask your agent about other ways to be rewarded for safe driving and vehicle protection (such as off-street parking, anti-theft devices and more). In addition, taking a driver-training or accident-prevention course may qualify you for additional discounts.
  • One company + combined policies = lower costThe more policies you have with a company (car, home, etc.), the more substantial the savings. Talk to an agent about combining your insurance policies.
  • More expensive recreational vehicle = more expensive insurance Before you buy a recreational vehicle, motorhome, fifth-wheel or pop-up camper, check with your agent to see what it will cost to insure it. Expensive vehicles cost more to repair, maintain and insure.
  • Increase your deductible By raising the amount you pay out-of-pocket for losses, you can save more on your policy. Contact us to explain the trade-offs.