RVs are an amazing resource for relaxing, having fun and seeing the country. When they’re motorized, they can give a unique level of freedom. That freedom might come with a bit more responsibility. When it comes to insuring a motorhome against normal risks in Wixom, MI, there are a few tricks you might want to know. That’s why America’s Choice Insurance Partners are providing this tip on seasonal motorhome coverage.

Part-Time vs Full-Time

The first distinction that has to be made for RV insurance is how often you live in it. Plenty of people only “live” in the RV while they’re on vacations, but it’s not uncommon for individuals to make the motorhome the “always” home. Obviously, an always home needs year-round coverage. As for the part-timers, not all policies look as accommodating on the surface as they turn out to be.

Part-timer’s insurance is a common delineation for recreational motorhomes. It accounts for the fact that the majority of your nights each year will not be in the RV, and the cost of the policy reflects that. Some policies are designed around seasonal usage, but most take that seasonal price and simply split it into an annual price. In other words, part-timer’s insurance usually costs much less than full-timers, but you might still make 12 monthly payments on it.

Rules of the Road

The biggest reason for this arrangement is to insure you have proper liability on the road. Since a motorhome drives on roads, state laws treat it like any other vehicle. It needs that minimum car insurance, and that is usually rolled into your RV policy. A part-timer plan will set you up with everything you need to safely enjoy the motorhome.

Of course, there are always more options out there. If you want to make sure you have the right policy available in Wixom, MI, talk to your America’s Choice Insurance Partners agent today.

There are different types of insurance policies to serve various functions, and protecting yourself from waters caused by hurricanes is always a concern of Florida residents. The team at All Counties Insurance Agency & Traffic School understand the worries of their clients in the greater Palm Coast, FL area and are here to help. There are many homeowners and renters policy that specifically exclude coverage of damage caused by hurricanes, but there are other options. Florida residents are able to hold flood insurance that provides coverage for water damage that is caused by a storm or other natural disasters.

Protect yourself, your home, and your family from hurricanes

Now is an excellent time to make sure that your insurance portfolio is complete and has all of the coverage that you need. Flood insurance is important to have in Florida, as hurricanes can cause quite a lot of damage. In addition to flood insurance, a wind policy is also advisable to give your home the full range of protection that it requires. Flood insurance can help you to recover from the damage that your home sustains due to the waters from a hurricane. This protection can sometimes include coverage for your structure and your belongings up to a certain level, depending on the policy. Some policies will also provide coverage for alternative housing while your home is uninhabitable during repairs.

Interested in finding out more about how you can protect your home from the damage caused by hurricanes? Contact the team at All Counties Insurance Agency & Traffic School today and schedule an appointment to meet with one of our helpful agents. We are proud to serve our greater Palm Coast, FL community and look forward to working with you too!