Insurance Information

RV & Mobile Home Insurance

Coverage that fits your home.

RV Insurance

Recreational Vehicle or RV Insurance is a type of Automobile insurance for individuals who own/operate a Recreation Vehicle. These types of vehicles come in varying sizes and can be as small as a van or as large as a tour bus. The common factor among these types of vehicles is that they can include sleeping quarters, kitchens and/or bathrooms. They are primarily used for travel purposes. All of the same coverage from an automobile policy applies to the RV Insurance. The automobile policy has multiple different coverages. Most commonly coverage falls into four different categories: Liability, Physical Damage, Medical Coverage and Uninsured Motorist Coverage.

Nearly all states at a minimum require vehicles driven on the road to carry Liability insurance. Liability insurance provides coverage for damage caused to others if you’re at fault in a covered loss; whether you injure them and/or damage their property. This insurance can include the services of an attorney to defend you if sued. Some policies separate liability coverage into two different parts; Bodily Injury Liability and Property Damage Liability. Bodily Injury pays for covered damage if you hurt someone. Property damage pays for covered damage if you damage someone’s property.

Physical Damage provides damage to your covered vehicle if it has a covered loss. This coverage is not a requirement by the state but can be required if the vehicle is financed or leased. There are four main parts under most policies that you can purchase; Comprehensive, Collision, Rental Reimbursement/Transportation Expenses and Towing/Roadside Assistance. Some policies can even provide new car replacement, loan/lease gap insurance

  • Comprehensive coverage helps pay for covered damage to your vehicle that is not caused by a collision. Common comprehensive losses include theft, vandalism, hitting an animal or storm damage.
  • Collision coverage can helps pay for damage the covered auto if your car hits another car or object, gets hit by another car or if your vehicle rolls over.
  • Rental reimbursement or transportation expenses coverage helps cover the cost of a car rental while your covered vehicle is out of commission due to a covered loss.
  • Roadside assistance or towing coverage may provide towing service if your covered vehicle is disabled, as well as roadside services such as a jump start, fuel delivery, flat tire change and lockout assistance.

Medical Coverage provides coverage for you and/or your passengers if you are in a covered loss in a covered vehicle. Some states may also you require you purchase Personal Injury Protection which usually pays out first if you or your passengers are injured in an accident. Medical Payments and Personal Injury Protection pay regardless of fault.

Uninsured / Underinsured Motorist coverage provides coverage in the event you are not at fault in a covered loss for injuries you and/or your passengers sustain in an accident and/or damage to your vehicle. Coverage will only apply in the event the other party doesn’t have insurance (uninsured) or your damages exceed their policy limits (underinsured). Uninsured / Underinsured Motorist is an optional coverage in most states and only certain states offer the Uninsured Motorist Property Damage Coverage.

*There are many other coverages that may be available with some carriers but these are the industry standard coverages.

Mobile Home Insurance

Mobile home insurance is a type of homeowners insurance in that it is for homes that are usually built off site and are brought in as one piece or multiple pieces. Mobile homes can also be built on a vehicle chassis and are known as manufactured homes as well. While coverage can vary from company to company, most not only cover the structure but also personal property, loss of use, personal liability and medical payments to others.

Most homeowner’s insurance policies have a deductible that will have to be met before the policy can afford coverage. Florida is unique since most policies carry a separate Hurricane deductible or in some cases a Wind and Hail deductible. The Hurricane or Wind/Hail deductible is usually based on a percentage of the dwelling value on the policy, like 2% or it can be a flat dollar amount. The all other peril deductible applies for all other losses covered by the policy and is usually a flat dollar amount such as $1000. A limited number of policies provide Sinkhole coverage and can be either based on your all other peril deductible or a percentage of your dwelling value on the policy like the hurricane deductible.

Mobile home insurance can come in two different forms for the dwelling; actual cash value/depreciated value and replacement cost. A mobile home is different from a regular home in that the construction can be different from a site built home and has a higher likelihood of depreciating quicker than a normal home.

Your policy can usually be broken down into 6 parts.

Dwelling or Coverage A
Covers the mobile home structure.

Personal Property or Coverage C
Coverage for your personal possessions in the event of loss or damage.
Examples: Furniture, clothing, linens and dishes

Additional Living Expenses or Coverage D
Pays necessary living expenses while your home is being repaired.
Example: Hotel costs if your home is uninhabitable due to a covered loss while being repaired

Personal Liability or Coverage E
Coverage for claims filed against you as a result of accidental injuries to others and/or unintended property damage.
Example: You accidentally hit your friend with a golf ball on a sweet drive.

Medical Payments or Coverage F
Pays for actual medical expenses including accidental injuries to others.
Example: Your friend falls down not due to your negligence in your home.

*not all companies use this contract form but most are based on this standard form.

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