Category: RV Insurance

Owning a vintage or collector motorhome is not just about transportation; it’s about preserving a piece of history and embracing the charm of a bygone era. These unique vehicles hold sentimental and sometimes even irreplaceable value.

However, insuring such treasures can be a different ball game compared to standard motorhome coverage. In this article, we’ll explore the world of vintage and collector motorhome insurance, including the challenges involved and how to ensure your cherished motorhome is adequately protected.

Valuation Methods

One of the foremost challenges in insuring vintage motorhomes is determining their value accurately. The value of older motorhomes varies based on factors like age, rarity, condition, and historical significance. To address this challenge, consider these valuation methods:

• Agreed value policies: With this type of coverage, you and your insurer agree on the motorhome’s value at the outset of the policy. In the event of a total loss, you receive the agreed-upon amount, eliminating disputes over its value.
• Professional appraisals: Hiring a professional appraiser experienced in vintage vehicles can provide an unbiased valuation. This method guarantees that an experienced appraiser will adequately evaluate your motorhome’s features and historical value.

Restoration Coverage

Restoring a vintage motorhome to its former glory is a labor of love, but it also involves significant investments of time and money. Standard insurance policies may not adequately cover the costs of restoration or modifications. Seek out policies with specialized restoration coverage.

Specialized Insurers for Vintage Motorhomes

Finding the right insurance provider, like Vance Insurance Group LLC, for your vintage motorhome is crucial. Look for insurers who specialize in classic or collector vehicle insurance. They understand the unique needs of vintage motorhome owners and can tailor coverage to suit your requirements. Specialized insurers offer extra benefits like coverage for spare parts and flexibility with mileage limits.

Your Motorhome Deserves Protection

Owning a vintage or collector motorhome in Oklahoma City, OK is a passion that deserves protection. You can overcome the challenges of insuring these unique vehicles by using agreed-value policies, getting professional appraisals, and searching for specialized insurers. With the right insurance, you can keep enjoying your vintage motorhome and pass it down with its historical significance intact.

Owning an RV can be a good idea for those in the Oklahoma City, OK area. When you have an RV, you will have a great vehicle that offers you a reliable mode of transit and a place to relax and sleep. These can be ideal when camping, going on road trips, or heading to various events. Along with an RV, you need to have insurance. There are various times when you should start looking for a new plan. 

When Buying an RV

A situation when it is a good idea to start looking for insurance is when you are about to buy an RV. Once you own an RV, it is essential that you have full insurance. Because of this, it is often a good idea to start shopping for coverage before you buy the RV. While the dealership can offer a temporary policy, having a full plan in place the day you close is advantageous. 

When Policy is Expiring

All RV insurance plans will have a maturity and expiration date. As this date is approaching, evaluating your options is a good idea. You may be able to find a plan that offers more coverage and has lower premiums than what you are paying today. 

A proper RV insurance plan is always a great option in Oklahoma City, OK. If you are ready to start looking for a new policy in this area, call our Vance Insurance Group LLC team. There are a lot of choices to make when looking for this coverage, and our team at Vance Insurance Group LLC can give any guidance you need to build a new policy. 

Insuring your RV is an important part of owning one. You want to ensure you have the coverage you need in case of an accident or other unforeseen event. Vance Insurance Group LLC in Oklahoma, OK can help you navigate this important insurance coverage.

Here are five tips for getting the most out of your RV insurance policy:

1. Make Sure You Have the Right Amount of Coverage

Depending on the value of your RV, you may need more or less coverage than the standard policy provides. Work with your agent to ensure you have enough coverage to protect your investment in case of an accident.

2. Choose a Policy With a Reputable Company

Some insurers may have limited experience insuring RVs, which could mean they’re not familiar with the unique coverage needs of these types of vehicles. When shopping for RV insurance, choose an insurer with a good reputation and plenty of experience insuring RVs.

3. Consider Add-Ons to Your Policy

There are many options available regarding RV insurance, so talk to your agent about what options make sense for you and your vehicle. You may want to add on roadside assistance or extended coverage for gear and personal belongings.

4. Don’t Let Your Policy Lapse

Once you’ve purchased an RV insurance policy, it’s important to ensure you keep it current by paying your premiums on time and renewing it before it expires. If your policy lapses, you may be required to pay a higher premium when you reinstate it or may even be denied coverage altogether. So make sure you stay on top of your payments and renew your policy before it expires.

5. Review Your Policy Regularly

Your needs may change over time, so it’s important to review your policy periodically to ensure it still meets your needs. If you’ve made any major changes to your RV, such as upgrading the appliances, be sure to let your agent know so they can adjust your coverage accordingly.

Get RV Insurance Today

Purchasing an RV insurance policy is an important step in protecting your investment and giving yourself peace of mind when you’re on the road. By following these five tips, you can be sure that you’re getting the most out of your policy and that you’re properly protected against potential risks.

At Vance Insurance Group LLC in Oklahoma, OK, we understand how important it is to have adequate protection for your RV. We’re here to help you find the right policy for your needs and budget, so don’t hesitate to contact us today for more information or to get started on a quote.

Each type of RV is unique. Your insurance should be just as specialized.

Whether you want to tour the country in luxury, 45-foot motorhome or pull a fifth wheel through the mountains, you have decisions to make when it comes to selecting an RV that’s right for you and your family. When it comes to insurance, you have just as many choices.

There are a wide range of policies to cover any type of vacationer and their vehicle. Although each plan is customizable through optional coverage, most RV insurance policies can be broken down into three categories.

Serving Oklahoma City, OK, Vance Insurance Group LLC looks at each of these types of coverage. 

Motorhomes

Motorhomes typically share most of the same insurance requirements as other vehicles on the road. This includes both collision and comprehensive coverage. If damage does occur, liability and medical policies kick in when you are found to be at fault. At minimum, look for an RV insurance policy that includes all of these. 

Trailer & Fifth Wheels

There are plans created just for the fifth wheel or travel trailers. Because these are pulled from behind and are not motorized, most on-the-road issues are covered by your towing vehicle‘s insurance. 

Full-timers

This type of insurance covers anyone who resides in their RV full-time. For this reason, these policies typically cover items that you may also find in a homeowners or renters policy. Personal protection repays for any belongings if they are destroyed or stolen. Loss of use offers reimbursement if you are forced to temporarily relocate. 

Contact Vance Insurance Group LLC today

Serving Oklahoma City, OK, this agency can help you determine what type of RV insurance you need. Their professional agents will create a personalized plan to protect you on the road.

You are packing up and getting ready to head off to a place with beautiful scenery to camp for the weekend in your new RV (recreational vehicle). Still, do you have the proper insurance coverage in place to protect yourself and your investment?

In Oklahoma, you must have at least liability insurance on your RV, just like you do for a truck, SUV, or car. This will pay for injuries or property damages sustained by others if there is an accident that is deemed to be your fault.

Uninsured and Underinsured Motorist Insurance

In addition to liability insurance, it is a good idea to obtain uninsured and underinsured motorist insurance. This means if someone without insurance or very little insurance hits your RV with their vehicle, this part of your policy will pay for the repairs to your RV and get you back on the road in no time at all.

Comprehensive Insurance Coverage

If your RV is stolen or broken into and items inside are stolen, comprehensive coverage will cover your losses. Also, if your RV is damaged by a fire, vandalism, or natural disaster, this part of your policy will pay for repairs or to replace it if your RV is destroyed.

Collision Insurance

Collision insurance covers the repairs to your RV or will replace it if it is a total loss when involved in an accident with another vehicle or with an object, such as a tree when you are backing into a camping site at your favorite campground.

To create the best RV insurance policy for you, your situation, and your RV, you should enlist the help of a licensed insurance agent who is experienced and knowledgeable with RV insurance. The RV insurance agents at the Vance Insurance Group, LLC in Oklahoma City, OK are ready to assist you with all of your RV insurance needs. Call to make an appointment today!