Category: RV Insurance

Owning an RV opens up a world of adventure, but insuring it can sometimes feel like navigating a maze. At H. Dean Allison Insurance in Altoona, PA, we understand the unique needs of RV owners and want to help you avoid some common pitfalls.

Underestimating the Value of Your RV

One frequent mistake is underestimating your RV’s value. Unlike standard vehicles, RVs often come with custom features that can significantly increase their worth. Ensure your policy reflects your RV’s true value, including any upgrades or special equipment.

Overlooking Personal Belongings Coverage

Your RV is not just a vehicle; it’s a home on wheels. Many owners forget to consider the value of the personal belongings inside. From electronics to kitchen appliances, these items can add up quickly. Ensure your policy includes adequate coverage for all your personal items.

Ignoring Liability Insurance

Liability insurance is crucial, whether you’re on the road or parked at a campsite. Accidents can happen unexpectedly, and you could face significant expenses without proper liability coverage. Verify that your policy covers both bodily injury and property damage liability to protect yourself in all situations.

Failing to Ask About Discounts

Many insurance companies offer discounts for safe driving, RV club memberships, or installing safety features. Don’t hesitate to ask your agent about potential discounts for which you might qualify. A simple inquiry can lead to significant savings.

Avoiding these common mistakes can save you time, money, and stress. At H. Dean Allison Insurance in Altoona, PA, we’re here to guide you through the process and ensure you have the right coverage for your RV. Ready to review your policy or get a quote? Contact us today and hit the road with confidence.

Before you leave Altoona, PA, to explore the country in your recreational vehicle, undergo an RV insurance review with  H. Dean Allison Insurance. RV insurance reviews can catch a need for an insurance update because you updated or upgraded your RV. Just like remodeling or renovating your house, doing so to your RV increases its value, and that means you need to increase its valuation in your insurance policy so all of your nifty upgrades receive coverage.

What Kinds of Changes Require a Review?

If you replaced the microwave or hung new curtains, you made a small change that won’t affect your insurance policy’s efficacy. If you added solar panels and an inverter so you’ll have electricity while parked anywhere, your update requires an insurance review. 

Here’s another example. While a new microwave doesn’t require an insurance update, if you upgraded all of the appliances in your RV, you added value to your RV that needs added coverage.

How RV Coverage Works

When you initially insure your RV, it typically receives coverage in the condition you purchased it. You decide between agreed upon value, stated value, or actual cash value of the RV, and your insurance policy reflects this unless you change it through an insurance update. If you choose the agreed-upon value as the valuation method and state the RV’s value as $50,000, that’s all the coverage it receives. If totaled, you would receive a check for $50,000 if you carry comprehensive and collision coverages. That total value limit would still apply, even if you had just spent $15,000 on a solar panel system and new appliances.

That’s why so many insurance agents tout insurance policy reviews. These periodic reviews of your property and its coverage uncover items you purchased that increase the value of your property but don’t yet have coverage under your policy. Add the upgrades to your coverage, so in case of an accident that damages an upgrade or totals the RV, you receive the full value of your RV.

Contact H. Dean Allison Insurance Today

At H. Dean Allison Insurance, we’re ready to help you protect your investments. Call your insurance agent for an RV insurance review today so you remain protected on Altoona, PA roads and beyond.

Some people use their RV as a home, while others store their RVs in Florida during the winter. That might leave you with questions as to where you should insure your RV. When you drive your RV from state to state, does the protection from your insurance follow you?

At H. Dean Allison Insurance, we understand that our Altoona, PA customers have different circumstances. We want to make sure you understand how your insurance works so that you have the coverage you need.

Compact States

In the United States, you have a guarantee that you can go anywhere you want as long as you are following the basic rules. In most states, that means having a driver’s license and insurance on your vehicle. There are a few states that do not require you to have insurance, but even then you are responsible.

Because they are part of the same country, the states basically have a compact to honor what happens in another state. You don’t need a different license or insurance to go to another state.

RV Insurance In Other States

You can still make insurance claims if something happens in another state. It may be harder to pursue a claim in another state, partly because you won’t be there physically to follow up. You should make a report to law enforcement as soon as possible and make sure they have your information in case they need to follow up.

Also, let your insurance agent know right away when something happens. At H. Dean Allison Insurance, we understand how stressful it can be to deal with a theft. If you have any questions about purchasing RV insurance in Altoona, PA, please call today.

If you own an RV in Altoona, PA, it’s important to find an RV insurance policy. We at H. Dean Allison Insurance are happy to provide you with RV coverage. 

When you select RV insurance, you need to make sure that you’re addressing a few important priorities.

The following are three priorities to focus on when you buy RV insurance:

Knowing what your coverage limits are

The coverage limits of your policy are one of the most important considerations to pay attention to. You need to choose a policy with coverage limits that are high enough to protect you financially if you eventually have to file a claim.

Remember that RV accident expenses can be very high. It’s best to choose coverage limits that are higher than the state liability coverage requirements so that you enjoy added financial security. 

Taking advantage of coverage suspension during the off-season

A lot of RV owners only use their RV during certain times of the year. That’s why RV insurance providers typically offer coverage suspension options.

If you take advantage of coverage suspension, you don’t have to pay your full premium costs for the times during which your RV is in storage. 

Choosing a policy that offers roadside assistance

Roadside assistance is a valuable feature of an RV insurance policy. With roadside assistance, you will enjoy more peace of mind when you’re traveling. 

When you have roadside assistance, your insurance provider arranges to have a tow truck sent out to service your RV if you break down on the road. 

Give Us A Call

We’re here to answer any questions you have about RV insurance. Call us at H. Deal Allison Insurance to learn more about RV coverage in Altoona, PA. We can provide you with a policy quote along with answers to all your insurance questions.