Looking For An RV Insurance Agent?
Hosto Provides Great Deals On RV Insurance In Edwardsville, Glen Carbon, Troy and Maryville
Your Local Independent RV Insurance Agency
The increased popularity of camping and travel has inspired many families to purchase a recreational vehicle (or RV). Unfortunately, many people don’t realize that their regular auto insurance does not cover RVs. That’s where Hosto Financial & Insurance Services comes in. At Hosto Financial & Insurance Services, we are RV insurance experts and can help you find the perfect RV insurance coverage for your adventure vehicle.
What Is RV Insurance?
RV insurance is used to provide RV owners with compensation in the event of damage, loss or injury caused by an accident. RVs can be exposed to greater risk because they are larger and exposed to many elements (rain, wind, sun, etc.). RV insurance can provide compensation for damages caused by fire, collision or theft, but it can also provide personal accident coverage (for accidents involving the driver), medical payments (coverage for occupants) and property damage coverage.
What Kind of RV Insurance Do You Need?
RV insurance is very important because it can provide coverage for damages that are not covered by your homeowners’ policy. It is especially necessary if you ever want to live in your RV full-time. RV insurance can provide the same protection as homeowners or renters insurance, but it also extends its protection to include RV equipment and personal property inside the vehicle.
RV insurance can protect you from other drivers who might accidentally hit your RV, it can also provide considerable liability protection which means that it protects the policyholder against lawsuits after accidents involving property damage or RV injuries. RV insurance is needed if you plan on living in your RV full-time, especially if the RV is located anywhere other than on its home base (ie: if you are travelling full-time).
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Types of RV Insurance Coverage
There are two types of RV insurance coverage, based on the owner’s living situation. Insurance for full-time RV residents is different from insurance coverage for part-time RV users.
For Full-Time RV Residents
Full-time RV residents are also known as “continuous cruisers” and RV insurance for them is purchased yearly rather than monthly. Owners that live in their RV full-time must purchase comprehensive insurance which includes both collision and comprehensive coverage.
For Part-time RV users
Part-time RV users are owners that only use their recreational vehicle on weekends or during vacations. RV insurance for part-time RV users can be purchased online in minutes, since this type of RV owner is purchasing the insurance based on daily rates rather than yearly or monthly.
Is RV Insurance Expensive?
Like any other type of insurance, RV insurance can be expensive. However, coverage can be expensive or inexpensive depending on a number of factors.
The reason why you are purchasing coverage will affect what type of coverage you receive and how much it costs. For instance, if you are going to use the RV as your primary residence, you will want a different type of policy than if you’re going to leave it parked most of the time.
The type of RV will also affect cost, such as caravans and trailers versus fifth wheel and motorhomes. How much the policy covers is another big factor. If you get a comprehensive policy that protects your RV from theft or damage, you may find that it’s more expensive than a liability only plan, which just pays for damages or injuries in an accident that is your fault.
Whether you own the RV or are leasing it also makes a difference in cost.
Regardless of what the price comes out to, it’s typically cheaper than having to pay out of pocket for repairs or medical expenses.
Advantages Of Having RV Insurance
When you purchase your RV insurance from Hosto Financial & Insurance Services, you can enjoy several advantages which is listed below:
- Professionals available to assist with any questions
- Discounts for qualified RV owners
- Comprehensive coverage options
At Hosto Financial & Insurance Services, our specialists can help RV owners find the right coverage for their budget. We use our local knowledge of state laws and RV insurance policies to help clients find the best insurance for their situation.
Contact Hosto Financial & Insurance Services Now!
Do you own an RV? If so, you know how expensive it can be to maintain your vehicle. That’s why we offer insurance for RVs that will help protect your investment and keep you on the road. We have a variety of options to choose from depending on what kind of coverage you need. Whether it’s liability or collision, our team is here to answer any questions and guide you through the process of getting insured!
You don’t want to get stuck without protection if something happens while out on the open road. Let us help protect your investment today with affordable rates and great customer service! Call (618) 779-5808
Contact one of our friendly agents at (618) 779-5808 or visit our website now for more information about RV Insurance policies offered by Hosto Financial & Insurance Services!
What Does Great Auto Insurance Look Like?
One important thing to keep in mind when looking at policies is that an auto insurance policy is a contract between you & an insurance company. You pay a premium and in exchange, the insurance company vouches to pay for specific car-related financial losses during the term of the policy. Hosto looks at many insurance companies when trying to get a quote that not only will fit your budget, but also get you the coverage you need.
Our team of insurance professionals understands the Illinois car insurance needs of our customers. At Hosto, we quote many companies and compare auto insurance rates for you. Hosto represents some of the best insurance companies in Illinois and
In some states, to drive you must carry:
- Liability coverage to pay for losses you cause others
- No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault
- Both liability and no-fault coverage.
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.
Call today and find out how to get the right car insurance in Illinois. We have a licensed insurance agent awaiting!