RV Insurance Coverage Types

OFS Insurance Agency, LLC serves the state of Mississippi with RV insurance to protect you whether you park your motorhome on a lot in Clinton, MS, or you explore the many parks and scenic routes of our state. You need the right insurance, though, and to purchase the right policy, you need to decide in advance how you want to use your RV.

If you want to drive it on the road, you need to insure it in the same way you would an auto. You will carry liability, bodily injury, and add items like collision or personal injury protection (PIP). You cannot use your auto insurance, though. You must have a separate policy for your motor home.

Think about adding roadside assistance since changing a tire on an RV makes for a road trip challenge no person wants. You also get two choices auto insurance does not offer – contents and full-timer coverage. Contents cover your belongings inside your RV. That includes the appliances, your luggage, etc. Full timer coverage covers the RV like home, so those who live in it year-round have a sort of homeowner’s RV policy. You need this if you will park it in one spot and live in it there. If you just want to use it on vacation at one campsite, whether for months or weeks, you need a campsite liability policy. You do not need a separate policy on a towed pop-up camper and trailer.

You do need to insure a Class-A, Class-B, or Class-C motorhome. Since many sizes of RV exist and which coverage types you choose affect your costs, we cannot provide a flat rate cost.

Call or email OFS Insurance Agency, LLC to learn how you can protect your motorhome investment. We serve the Clinton, MS metro area, and the state with the RV policies it needs.

Three things to keep in mind when buying insurance for your motor home

Whether you enjoy taking your home on wheels around the beautiful Mississippi countryside, or you prefer it parked in your garage, having enough insurance is the best way to earn the peace of mind that your investment is in safe hands. A motorhome is a significant investment that requires a substantial amount of coverage in case the unexpected happens. If you need motorhome insurance, OFS Insurance Agency, LLC in Clinton, MS can help you find a policy that works for you based on your budget and style. Here are three things to keep in mind when buying motorhome insurance.

Double-check your limit

Never sign a contract without reading through it. Your motorhome insurance should come with terms and conditions which are vital for you and your insurance provider. Therefore, make sure you understand everything and confirm the risks covered. Some policies have stringent limits on various categories.

Buy enough coverage

A recreational vehicle is an expensive asset and needs a vast amount of coverage to cover most risks adequately. Insurance needs may vary from one policyholder to another. Depending on how you intend to use your motor home, you may have different insurance needs from another motorhome owner in Clinton, MS. If you are using your motorhome regularly, you may need adequate liability coverage. Similarly, don’t overbuy; just buy the coverages that you need.

Where you store your motorhome matters

For most insurance companies, where you store your motorhome has significant importance. They will typically calculate your premiums based on the postcode it is stored. The quiet streets and rural countryside locations attract lower rates as they are considered averagely safer than bustling city centers. The principle also applies to policyholders storing their motorhomes at home.

Finding motorhome insurance is no longer a daunting task. The process is relatively straightforward, and you don’t have to go through it alone. OFS Insurance Agency, LLC is here to ensure that your journey is as smooth as possible. Contact us today!

Does My RV Insurance Cover my Belongings too?

OFS Insurance Agency, LLS offers residents in Clinton, MS who own RVs advice on how to protect their items while they are traveling. If you have the right type of RV insurance, it will cover your possessions while you are on the road. The key is understanding how to protect what you have so that your risk of a break-in is low, and your family remains safe and secure.

Keep Track of What You Have

Keep a running inventory of what items you have in your RV. A photo or video inventory is a great way to show what you have and the condition of each item. Make sure your list is detailed and that several copies are made. You should keep your copy in a safe place and give one to your insurance agent.

Take Steps to Protect Your Property

There are several steps you can take to protect your property. Keep your RV locked at all times. It’s also a good idea to keep items of value out of sight. Always make sure items are correctly put away before you leave and keep the curtains pulled so that the view inside is limited.

In Clinton, MS, the agents of OFS Insurance Agency, LLC have the experience they need to assist you with all of your insurance needs. Always be aware of your surroundings and take the necessary steps to protect your possessions. Before you take off on your next adventure, make sure to contact your agent and let them know what you are doing. We can offer you several ideas on how to make your trip the best one ever. Find out what tips we have by calling us today!

Understanding Motor Home Insurance in Mississippi

It is crucial to understand that liability coverage offers protection from bodily injury or property damage coverage to someone else’s property. Still, you need to have coverage to protect yourself adequately, as well. Typically, motor home insurance is used only for a certain number of days in the year, which is when those vacations and trips start to come around. Some policies include Roadside Assistance that provides on-the-spot support 24/7, and some situations will allow insurers to provide for garage costs if the repair requires a lift and specific tools. There are other options, such as pet injury, vacation liability, loss assessment, and more that are also offered in certain cities.

Motor home insurance can be tricky because it qualifies as a home if you’re living in it and also a vehicle as you drive it. Typically, motor home insurance is categorized into full-time or recreational. Full-time is for those who are using the motorhome as a primary residence, while the recreational type is for occasional users. Some of the coverage overlaps both categories, but some limits might apply to one and not the other. The rate of insurance will depend on factors such as the age of the driver, the use of a motor home, and the type of motor home.

Therefore, it is very important to consult an expert such as a local insurance agent that can navigate you through the different requirements, legal nuisances, and policies related to motor home insurance. Get the guidance you need right now by contacting OFS Insurance Agency, LLC serving Clinton, MS. Not only will you get a personalized motor insurance policy, but the agents will guide you through common pitfalls to avoid with motor home insurance but also educate you, so you make an informed decision. Contact OFS Insurance Agency, LLC serving Clinton, MS for more information regarding motor home insurance and to learn how to get started with a policy.