The life of a traveler has a tremendous appeal. The open road, seeing the county and meeting wonderfully interesting people. But before Woodstock, GA residents gas up an RV, there are some things to consider and the professionals at Peter Laczko Insurance Inc. are available to help you create an RV policy that makes sense for you.
Frequency And Use
Some RV owners utilize the vehicle only a few weeks out of the year. Others literally travel and live in it full-time. There is a significant difference in terms of policy needs between the two.
Part-time users are generally taking vacations and getaways. It’s a break from working life in many cases. Your policy should be consistent with temporary use and you probably won’t carry a tremendous number of valuables on such trips. Just make the numbers match up.
Full-timers may want to look into a policy that trends more toward homeowners insurance. In other words, items such as clothing, laptops, jewelry and personal items can be accounted for with the right policy. Full-timers really need a policy that provides coverage from the ground up.
Traveling Out Of The Country
Some policies stop at the border while others do not. If you plan to travel to Canada or South of the Border, it’s important to review that issue and perhaps revise the policy.
The Roads You Travel
Travelers understand that there is a significant difference between spending time in luxury RV parks and primitive state forest campsites. RV parks generally have well-paved roads and designated hookups. A mountain road can be hazardous and vehicle damage is something to consider. If you are a backwoods camper, check your coverage limits in terms of damage, towing and other thing associated with negotiating rough roads. Be prepared.
At Peter Laczko Insurance Inc. we hope these ideas prove to be thought-provoking for the Woodstock, GA community members we serve. Our professionals are available to create or update a policy that provides you with coverage suitable for your RV needs.
