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Personal Insurance

Your personal risk management strategy can have a major impact on your family’s financial bottom line. Gaps in coverage and inadequate liability protection could cost you financially.

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Risk Resource® is a four-step process utilized by General Insurance Services, Inc. to identify, develop, implement and monitor the risk management strategies for you and your business.

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There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses.

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Whether you drive 600 miles a year in your RV (recreational vehicle) or 6,000, you need to have suitable insurance protection before  hitting the road. Because insurance policies tailored to the needs posed by motor homes, recreational vehicles, fifth-wheels and/or travel trailers vary from state-to-state and policy-to-policy, it is important to insure your RV with at least the basics.

Most insurance specialists agree that comprehensive coverage is, indeed, a must as it covers most direct, sudden, and accidental losses including those caused by collision, theft, vandalism, fire, smoke, landslide, windstorm, lightning and hail. You may also want coverage for RV awnings, satellite dishes, and other accessories. There are even policies that cover emergency expenses including lodging or travel expenses home if the RV is damaged or destroyed by a covered loss while more than 50 miles away from home.

Look for an insurance policy that provides adequate campsite/vacation liability, coverage for when the RV is parked, and for when you are using the RV as a temporary residence. Because it protects the RV from costly depreciation, total loss replacement coverage may also prove to be useful and is well worth the minimal added cost.. With total loss replacement coverage, the RV owner gets a new RV
of similar kind and quality if the vehicle is destroyed within its first five model years. This is unlike standard automobile policies that only pay the actual cash value of the RV at the time it is destroyed. Add replacement cost coverage on personal belongings that are stolen from the RV or destroyed while in the RV and you can rest assured you will be adequately protected.

RV owners should also consider buying a special stationary policy that offers extensive comprehensive and contents coverage if the RV is used as a seasonal or permanent residence. This includes coverage for liability, medical payments to others, and property damage claims caused by an accident for which RV owners may be held liable. Your homeowners or auto insurance policies may not cover exposures related to the use of your RV as a residence - even if just seasonal.

Because such special coverage policies vary from one state to the next and some coverages aren't offered in all states, it is important to do your homework, or better yet, your "RVwork," and find a policy that suits your travel needs. Call us today at 800-766-4478 for a Michigan City recreational vehicle insurance quote.
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1 Comments

Jerry & Sylvia Henry said...
We are going to be spending more time in Florida over the winter months. We will be taking it there and staying in it for 4-5 months. Are we covered in the state of Florida?
What do we need to know about this R.V. coverage?
FRIDAY, JUNE 28 2013 10:06 PM

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General Insurance Services
Michigan City
421 Franklin Street
Michigan City, IN 46360
(219) 879-4581
(800) 961-0953
M - F 8am-5pm
General Insurance Services
Valparaiso
4208 Calumet Ave, #100
Valparaiso, IN 46384
(219) 464-3511
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General Insurance Services
La Porte
1200 Michigan Ave.
La Porte, IN 46350
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