Travel Trailer Insurance

Travel Trailer Insurance by Insurance AdvisorsDon’t let your adventure be interrupted with worry. Your auto or homeowners policy may not adequately cover your travel trailer and surroundings. Lucky for you, your Insurance Advisors Agent can help you choose the right policy for your travel trailer, so you can go out and enjoy the outdoors while someone else takes care of the paperwork!

Comprehensive Coverage

This is included with our travel trailer policies and is not automatically included in your typical auto insurance policy. This provides protection from just about any direct, sudden, and accidental loss including collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning. Foremost also includes coverage for attached accessories including awnings, satellite dishes, and TV antennas. Some c overages are optional and subject to company approval.

Total Loss Replacement Coverage

This option can save you literally thousands of dollars when compared to typical auto policies which pay only the Actual Cash Value of your travel trailer at the time it’s destroyed. You are protected from the effects of depreciation if your new-model travel trailer is destroyed within its first five model years and  you are the original owner.

Additionally your personal belongings are covered for replacement cost as well. Talk to your agent about details.

Emergency Expenses Coverage

Pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles away from home.

Towing and Roadside Assistance

“TraveLine” eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service etc. are just a toll-free phone call away.

Campsite/Vacation Liability Coverage

Provides liability coverage when you are parked and using your travel trailer as a residence, typically seasonally or weeks at a time.

Full-Timer Coverage

This is a coverage very similar to a homeowners insurance policy. This option also covers you when you are parked and using your fifth-wheel as a residence for extended periods of time.

Stationary Travel Trailer Program

This option gives you extensive comprehensive contents coverage if you use your travel trailer as a seasonal or permanent residence.

If you are a “snowbird” or just traveling to enjoy the fall colors – Contact Insurance Advisors if you have any questions.

Source: Foremost Insurance Group

The Truth About Renters Insurance

renters-insuranceRenters’ Insurance is an insurance policy which provides most of the benefits of homeowners’ insurance except it does not include coverage for the dwelling or structure. The owner of the building is responsible for insuring the building, but bears no responsibility for the tenant’s belongings.

Many rental properties include a requirement in their lease that tenants hold renters’ insurance (1) if the tenant damages the premises, (2) the landlord and other tenants can recover against the perpetrator’s insurance.  It is important to know what type of damage your Renters’ Policy covers. Basically, there are three types of coverage available:

  1. Loss of use, or Additional Living Expense
  2. Personal Property
  3. Liability

Additional Living Expense

Covers you and members of your immediate family living with you for living expenses over your usual expenses, when your home is uninhabitable because of a covered loss.

Personal Property

protection against loss caused by these perils:

  • Fire, smoke, explosion
  • Lightning, wind, hail
  • Riot, vandalism, civil commotion
  • Theft, burglary, robbery
  • Weight of snow, sleet, and ice, debris removal
  • Water damage from pluming and heating systems
  • Freezing of plumbing and heating systems
  • Bursting of heating or hot water systems

Personal Liability

Covers you and members of your immediate family living with you against lawsuits arising from bodily injury and property damage as well as the cost of legal defense. Watercraft liability for many boats is included at no additional premium.

Optional Coverage

Special personal property coverage adds coverage for additional risks of loss subject to certain exclusions.  Contact your Insurance Advisors Representative for  details on these and Scheduled Personal Property items.

Personal Property Replacement Cost

Provides “new for old” coverage.

Source:  Auto Owners Insurance Company