Purchasing RV insurance is an important step in protecting your home on wheels. At Brock and Poole Insurance Agency, serving Collierville, TN, we understand the unique needs of RV owners. Whether you’re a weekend warrior or a full-time traveler, here are some key factors to consider when choosing the right coverage.

Understand Your Coverage Needs

Before diving into policy details, think about how you use your RV. Are you hitting the road for short trips, or is your RV your permanent residence? Your usage will dictate the level of coverage you require. Full-timers may need more comprehensive policies, similar to homeowners insurance.

Evaluate Liability Coverage

Liability coverage is crucial. It protects you in case of accidents where you’re at fault, covering property damage and medical expenses for other parties. Ensure your policy provides sufficient limits to safeguard your assets.

Consider Additional Coverage Options

Think about any additional coverage you might need. Roadside assistance and emergency expense coverage can be lifesavers in unexpected situations. If you travel with valuable items, you might also want to add personal belongings coverage.

Assess Your Deductible

Your deductible is the amount you’ll pay before your insurance kicks in. Choosing a higher deductible can lower your premium, but be sure it’s an amount you can comfortably afford in case of a claim.

Research Discounts

It’s not uncommon for discounts to be available for safety features, bundling policies, or even RV safety courses. Ask about potential savings to make your policy more affordable.

For personalized advice and a quote tailored to your needs, contact Brock and Poole Insurance Agency in the greater Collierville, TN, area. Let us help you hit the road with confidence and peace of mind.

Getting the correct type of insurance is essential if you plan to hit the open road in an RV. Residents living in and around the Collierville, TN, area can count on Brock and Poole Insurance Agency to provide them with the service and insurance coverage necessary to stay protected while traveling. 

RV Insurance Coverage

RV insurance protects covered individuals in the event of damage or accidental loss. For example, if there is a fire or vandalism, the insurance would cover that event and pay to repair or replace the RV. 

It also provides liability protection if the RV owner is at fault for a collision or damage-related accident. Most policies offer collision and uninsured or underinsured driver coverage. 

If you recently purchased an RV or need to acquire better coverage, our experts can help. We work with each client to ensure they get the policy protection they need while driving or parking. We can assess current and future needs and make recommendations for their lifestyles. We also assist with the submission of documents, changes to the policy, and submission of claims. 

Reach Out Today

Anyone needing RV insurance can rely on our Brock and Poole Insurance Agency team to provide them with the necessary insurance products. Our agents are ready to assist you with your insurance selection. We proudly serve the Collierville, TN, residents, allowing them access to reliable coverage and exceptional service. Call or stop by our office today to speak to one of our helpful agents and get started on the road to peace of mind by having the right coverage for your RV. 

It’s no secret that RVs are a popular way to travel. In fact, in recent years, RV ownership has exploded in popularity. However, many people don’t realize that RV insurance is a must. Just like your car, your RV needs to be adequately insured to protect you financially in an accident. Here are five things you didn’t know about RV insurance.

1. Replacement, Actual Cash, and Agreed Value Differ

The first thing you need to know is that there are three types of RV insurance coverage – replacement, actual cash value, and agreed value. Replacement cost coverage will pay to replace your RV with a new one of a similar make and model if it’s totaled in an accident. Actual cash value coverage will reimburse you for the depreciated value of your RV if it’s totaled. Agreed value coverage is similar to replacement cost coverage, but you and your insurer agree on a set amount that your RV is worth before purchasing the policy.

2. RV Insurance Is Different Than Auto Insurance

While RV insurance may seem similar to auto insurance, some key differences are actually. RVs are considered "recreational vehicles" by insurers, which means they typically fall under different coverage rules than regular cars. Additionally, RVs are often equipped with unique features that need to be insured separately, like awnings, slide-outs, and generators.

3. Part-Time RVers Need Insurance, Too

If you only use your RV occasionally, you might think you don’t need insurance. However, that’s not the case. Even part-time RVers need to have adequate insurance coverage in place in case of an accident. If you’re found at fault in an accident, you could be held liable for damages – and that’s where RV insurance comes in.

4. You Might Need Specialized Coverage

Depending on how you use your RV, you might need specialized coverage. For example, if you use your RV for business purposes, you’ll need commercial RV insurance. If you take your RV overseas, you may need to purchase foreign travel insurance. And if you’re an avid RVer, you might want to consider a full-timer’s policy, which provides coverage for those who live in their RVs year-round.

5. You Can Insure Personal Belongings, Too

RV insurance doesn’t just cover the vehicle itself – it can also cover your personal belongings. If you have items like jewelry, electronics, or sports equipment in your RV, they may not be covered under your auto insurance policy. However, you can usually add them to your RV insurance policy for an additional premium.

If you’re an RV owner, it’s important to understand the ins and outs of RV insurance. Brock and Poole Insurance Agency in Collierville, TN can help you find the right policy for your needs. Give us a call today to get started!

What is RV Insurance?

RV insurance is basically auto insurance for your recreational vehicle. There are several coverage options to choose from according to your specific RV, if it is your full-time residence, if you use it for road trips, and much more.

RV Insurance Coverage Options

You can get similar coverage for your RV as you can for a standard automobile with a couple of distinct differences. Some coverage to choose from includes:

• Comprehensive, collision, and liability insurance
• Uninsured and underinsured motorists
• Roadside assistance, including towing
• Total replacement coverage
• Emergency expense coverage
• Vacation and campsite coverage
• Full coverage if you live in your RV full time

Here at Brock and Poole Insurance Agency, we take the time to discuss your specific RV coverage needs and help you choose the best coverage options for your life and your vehicle.

What Types of RVs Are Insured?

There are three classes of RV insurance:

Class A– Covers luxury models up to 75 feet, such as coach buses

Class B– Covers smaller models, such as camper vans, trailers, and even cargo vans- those without a cab over

Class C– Covers RV models that have a camper portion that extends over the driving portion, and typically has living, kitchen, and bathroom quarters

Is RV Insurance Required?

RV owners in Collierville, TN are required to carry the minimum liability coverage on your RV any time it is on the road. Liability only deals with damages you cause, though. You should always consider additional coverage options to protect yourself and your RV in the case of damages you cannot pay for out of pocket.

Stop by or give us a call at Brock and Poole Insurance Agency of Collierville, TN for all of your insurance coverage needs!

Collierville, TN residents love to go out and travel the country in their recreational vehicle. At Brock and Poole Insurance Agency we stress the importance of asking the right questions at the right times. The right time to ask this question is not the Friday before the Saturday you promised your bestie that he could take the RV out for his vacation week. Certain policies stipulate that the vehicle is only covered if it is operated by the owner of the policy. If you ask your agent the question before the lend they can help you structure your policy according to your generous nature. 

Park your RV right in front of our beautiful office in Collierville, TN. The agents of Brock and Poole Insurance Agency Work diligently to answer every question you may have about your insurance policy. The time to ask is way before you hit the open road. In addition to RV insurance, we assist our clients with home insurance and auto insurance.  Serving the great states of Tennessee and Mississippi we are experts at providing the exact right insurance you need to protect your home and auto. In light of the torrential tornado season that we experience in the late spring and early summer months, we specialize in making sure you have adequate protection for your recreational vehicle as well as your motor vehicle and most importantly your home. Specialized service is something that is lacking in the marketplace today. Let us reassure you we know this area of the country, and we know how to protect you. Call us today or stop in – again take the time to ask us before the situation occurs.