Can I insure my RV/Toy only during vacations in West Hartford, CT. As I never use them regularly?

When you first get an insurance policy there are a number of things that you want to make sure is covered before paying for the policy. You will want to make sure that the liability amounts are set properly, your deductibles are what you can afford and even that all the other coverage limits are where they need to be. Here are a few things that you will want to consider about your RV insurance when it comes time to insure the vehicle in West Hartford, Connecticut.

Things You Will Want to Know Before Regularly Using Your Toy Insurance

  • When you are done taking your yearly vacations there is no need to keep the liability limits active during the storage months. You can suspend the liability limits on the policy and pay less during those months until you need to use it.
  • During the storage months you will want to keep the physical damage benefits active in case there is ever damage to the RV from a covered peril.
  • Your insurance premium is directly affected by how much coverage you have on the RV. When you suspend certain benefits you will not have to pay for those benefits until they are activated.
  • It is imperative to keep your benefits up-to-date by paying the premium when it is due. If the policy lapses you will not have any benefits to protect your RV.

RV insurance is never something that you should take lightly. The policy protects your investment by providing the finances you need to repair any damages. As your independent agent we can help you decide what kinds of benefits you need to keep on the RV during certain times of the year. Give us a call today and let us communicate to you what you need to know about RV insurance.