Recreational Vehicle Insurance

A recreational vehicle shares the road with other automobiles so you may think an auto insurance policy is all you need to cover your home away from home.  However, an auto insurance policy misses many of the items you will find in a specialized recreational vehicle insurance policy

At the Doug Ware Jr. Insurance Agency, we provide you with the recreational vehicle or camper coverage that best fits your individual situation.

We offer the following options for Recreational Vehicle Insurance:

• • Total loss replacement – covers a new RV (no more than 5 years old) when declared a total loss and provides the owner with a replacement unit of similar value
  • Replacement cost of personal belongings – covers the cost of replacing personal property that is destroyed during a specified event
  • Emergency expense coverage – covers costs incurred in the event of an accident or breakdown and force you and your occupants to find other lodging and meals.
  • Comprehensive coverage – covers damage from vandalism, theft, natural disasters, fires, water damage, and other incidents not caused by a road accident.
  • Towing and roadside assistance – covers towing costs and mechanical costs if you can’t fix it yourself
  • Full-time liability – covers the RV when inhabited for more than a certain portion of the year. Similar to homeowner’s insurance in that its coverage includes medical expenses suffered by someone who is injured in or around your RV.
  • Stationary coverage – covers your RV while it is parked either in storage or at your main place of residence
  • Medical insurance coverage – covers the medical expenses you incur when an accident occurs in your RV
  • Uninsured motorist coverage – covers you if you are injured and your RV if it is damage by non-insured motorist
  • Suspend collision coverage when in storage – allows you to suspend the portions of your policy which apply only when the vehicle is being used on the road.

Off-Road Vehicle Insurance

At the Doug Ware Jr. Insurance Agency, we understand that it is a common assumption that a homeowners or auto insurance policy will cover any damages or liabilities caused while operating an off-road vehicle.  Don’t wait until it’s too late to find out that assumption is incorrect.  An accident that causes damage to your four-wheeler or snowmobile can be very costly without the right insurance coverage.

Providing you with the best off-road vehicle plan is important to us.  We listen to you as you describe your off-road experiences and then decide which type of coverage best fits your unique needs.

We offer the following options for Off-Road Insurance

• • Bodily Injury Liability – covers injuries sustained by another person when you are at fault for the accident
  • Property Damage Liability – covers damages caused to someone else’s property while operating the recreational vehicle
  • Collision Coverage – covers damages to your recreational vehicle caused by an accident that is your fault
  • Comprehensive Coverage – covers damage to your recreational vehicle caused by something other than an accident, i.e. tornado, flood, fire and also covers theft of the recreational vehicle.

Our agents look forward to helping you find the most affordable and comprehensive coverage, so call us today at (248) 606-8338 or Contact us for more information.