Date: Tue, 27 May 2003 18:38:44 -0400
Reply-To: Dennis Haynes <dhaynes@OPTONLINE.NET>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Dennis Haynes <dhaynes@OPTONLINE.NET>
Subject: Re: RV insurance on Vanagon
In-Reply-To: <027f01c32463$22f5eb50$319c4094@BILLPC>
Content-type: text/plain; charset=us-ascii
Bill,
You're right and that was the point I was trying to make. I am now on my
second motor home which I bought new so I have learned a lot over the
years. I did simply add my first one to my auto policy and I though I
was getting a good deal since it cost less to insure than my other cars.
I also have 2 "87 Syncros, one a camper and one a passenger van and
there is a difference in the insurance cost as the Camper is a Camper.
When I bought a new RV, the insurance quote was astronomical,
particularly the Collision and Comprehensive. As I was shopping, I
learned about real RV insurance including replacement of personal stuff
and full value replacement coverage. Progressive who insures my RV will
not insure the Westy.
Dennis
-----Original Message-----
From: Vanagon Mailing List [mailto:vanagon@GERRY.VANAGON.COM] On Behalf
Of Bill N
Sent: Tuesday, May 27, 2003 11:18 AM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: RV insurance on Vanagon
We are talking about two different things. First, the insurance company
may rate the Westy as
an RV, which normally lowers the premium. Second, there is RV
insurance, which, as you
mention, covers some additional risks. This was developed by the
insurance industry to serve
the growing full-time RV market, since it covers many of the same risks
usually covered by a
homeowner's policy, which many full-time RVers don't have. In my case,
my umbrella liability
policy covers those additional risks as well.
Now, I do differ with you on one point. If you rent a camping spot, you
are renting it from
someone. Commercial campgrounds carry their own liability policies, and
the government self
insures. In many cases, they would be liable, not you. The exception
would be if you were
negligent and created the hazard. Many homeowner's policies would cover
this (check yours).
If not, is is certainly covered by an umbrella policy, which anyone with
substantial assets
should probably be carrying.
Bill in the Southwest
----- Original Message -----
From: "Dennis Haynes" <dhaynes@OPTONLINE.NET>
>
> While you may have a reduced rate, do you really have RV insurance?
When
> you rent a camping spot, you are now liable if someone gets hurt on
that
> spot. Does your insurance cover that? Ask your agent to show it to you
> in writing. This is just one example of the differences of RV
insurance.
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