When buying an RV, new owners likely have a set of goals in mind. This might include permanent RV residency, or only using the RV during certain times of the year. The new owner will likely want to personalize the RV to meet their specifications.
Getting the appropriate RV insurance is an important part of personalizing an RV. If an RV owner makes permanent changes to the vehicle, the changes may trigger extra coverage. Insurance coverage should reflect the ways RV owners handle their vehicle.
What are Permanent Options on an RV?
Most RV owners want to use their vehicles to see a lot of the open road. They often use their vehicles as traveling homes in addition to transportation. The most sophisticated RVs can offer cooking, bathing and sleeping areas, besides many of the conveniences of the stationary home.
However, some owners may want to add additions to their RVs to further personalize them. Additions might include satellite dishes, wireless systems or even retractable awnings. Others might add items like wheelchair ramps that help address their special needs.
Should these items stay on an RV permanently, they often need special insurance consideration. Most RV policies come with personal belongings coverage. Personal belongings coverage usually provides coverage for items belonging to the owner. Sometimes, these special additions may classify as personal belongings.
However, personal belongings policies may not cover all permanent attachments. For example, some policies may not provide enough total coverage for the attachments. Other policies may not cover certain attachments at all.
If an owner modifies an RV to include permanent attachments, this may warrant seeking permanent options insurance coverage. Permanent options coverage extends protection to attachments that may be costly to replace.
Buying Permanent Options Coverage
The choice to buy permanent options coverage often varies from person to person. Since some standard RV insurance policies may not cover attachments, owners should start the search by talking to their insurance agents.
- Ask how the standard policy covers attachments. If it does not cover certain attachments, ask if adding permanent options coverage will add the appropriate protection.
- Find out requirements of the permanent options coverage. Does permanent options coverage exclude any attachments? Will the owner have to take any precautions to make sure that permanent options coverage never lapses?
With the correct attention, permanent options coverage can extend to the RVs attachments.
Call Insurance Planning Service at (800) 220-5582 right now. We can help you get a free, instant Michigan RV insurance quote.