RV Owners Beware: New Insurance Company Reveals Shocking Truth- 80%  Are Underinsured!

 Most RV owners- and even some insurance agents- don’t fully understand the distinct coverage needs of RVs compared to standard vehicles. This knowledge gap has created a landscape where insufficient coverage is the norm, rather than the exception.  

Many RV owners think they have comprehensive coverage, when really, they have an auto policy that doesn’t cover everything they might need. There’s certainly a case to be made for attaching an RV to an auto policy: only wants to have coverage for accidents on the road, or is trying to save a few dollars, an auto policy may be a good choice. However, research shows that majority of RV owners would prefer more comprehensive coverage. That’s why we started Adventure Club Insurance- to allow RV owners to have the protection they truly need!  

Questions to ask yourself when choosing RV insurance:  

1. Total Loss Replacement:  If my RV was totaled, would I want a complete replacement?  

1. Personal Effects Coverage: Do I want coverage for personal items like clothing, electronics, grills, camping chairs, linens, and more? 

1. Options to Fit your Adventure: Is it important to have coverage for RV-specific features like awnings, satellite dishes, and appliances? 

1. Roof Protection: Knowing my RV roof warranty is limited and only covers material defects, do I want coverage for roof damage that extends to other affected parts? 

1. Pest Protection: Do I want coverage for damage caused by rodents, insects, and birds? 

1. Vacation Liability:  Should I have liability coverage for accidents at my campsite? 

1. Affordability:  Would I pay a bit more for better coverage, or is a low monthly payment my top priority?  

 Your answers to these questions will determine the best insurance policy for you and your RV. 

 The Solution:   

 RVers should partner with a trusted insurance expert to understand the nuances of auto policies and true RV insurance coverage.  What should you look for in a partner? 

• An RV insurance expert agency. There are 12 agencies in the US that specialize in RV insurance. Look for a team that knows how to help you cover your RV in a way that fits the needs of your family! 

• Access to many different carrier options such as Progressive,  Roamly, Hanover, National General and more to provide competitive options in price and coverage. 

• No hidden agendas.  Your insurance provider should be a trusted advisor.  Of course, their goal is to sell you an insurance policy, but they should be transparent to ensure you’re getting the best coverage to meet your needs. 

• Agents with a deep understanding of the lifestyle needs of RVers.  This allows you to have the most information to make the correct choice for their coverage. 

• People who enjoy the outdoors as much as you do! 

 Beyond RVs:  

 ACI is not limited to RV coverage. Our expertise extends across multiple lines of insurance. This holistic approach guarantees thorough coverage and offers lower rates, all while maintaining the highest standard of quality. Furthermore, we are excited to provide quotes and coverage for a diverse array of Property and Casualty lines. Our services encompass (but are not limited to) cars, boats, toys- Can-am’s, golf carts, snow mobiles and motorcycles- and homes! ACI offers tailored insurance solutions to meet any lifestyle!  

 Closing Thoughts:  

Partnering with ACI is about more than just growing our business – it’s a commitment to our customers’ safety and peace of mind. By understanding what RV owners truly need and offering expert guidance, we’re changing the game in RV insurance. With ACI, you’re insuring your entire adventure, not just your RV!