Copper Mountain Insurance Solutions
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How Much RV Insurance Do I Need?

5/29/2018

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For new RV owners, one of the first things they worry about is trying to decide how much insurance coverage they should purchase. Here are a few things to consider that should help you to decide how much insurance coverage to purchase for your new RV.

Local Laws
Believe it or not, depending on where you will be registering your RV, local laws may dictate how much minimum coverage you will need. Usually, this coverage will take into account the size and value of your RV and it will ensure that you and the other party involved in the accident are covered in the event that you are deemed responsible for the accident. This is one of the many areas in which discussing your options with an agent can be beneficial, as they will know what local laws require.

Where Your RV is Stored
Where you decide to store your RV can have an impact on the amount of coverage you will need to take out. If you are not going to be storing your RV in a secure location such as a garage or storage facility, you may want to consider purchasing additional coverage. This is due to the fact that in this situation, your RV is more likely to be vandalized, broken into or stolen.

The Belongings Inside of Your RV
Another factor many RV owners forget to take into account when purchasing RV insurance is that they will be keeping and/or traveling with many belongings in their RV. Just as when purchasing home insurance, you will want to make sure that you purchase enough insurance to cover the belongings inside of your RV. Should your RV be damaged or destroyed, you will be able to replace the items within your RV as well as your RV itself.
Taking the above things into consideration when purchasing insurance for your RV will ensure that you are covered in the event that something happens to your RV. However, this list is by no means exhaustive of everything you must consider when purchasing RV insurance. For this reason, it’s beneficial to consult an agent when purchasing insurance for your RV so that you can ensure that you have proper coverage.
Stay safe on the road.

Call Copper Mountain Insurance at 602-412-3366 for more information on RV Insurance.
We have several different RV specific carriers that will provide competitive quotes for you.


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Do you know what your Auto Insurance Policy covers?

5/15/2018

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You should review your auto insurance policy on an annual basis with your agent.  Here are some items to look at:


Deductibles:   In some cases your deductible may be set too low. The premium you pay for that lower deductible rate is, a lot of times, more than the deductible you would pay out in an accident.  If you have an “emergency fund” savings account set up for emergencies, then you should consider raising your deductible to $500 or even $1000.  This could save you a substantial amount on your annual insurance.


Coverage Limits: Make sure your limits are set at a reasonable limit for proper protection in an auto accident.  Did you know that if your bodily Injury limits are set at $15,000 per person and $30,000 per accident and, in the event of an accident you cause injuries amounting to more than that, the other person has the right to sue you for the amount over those limits?  And the cost to raise your limits may be less than you might think.  We recommend setting your limits to at least $100/300/100. This means you have limits of $100,000 per person and up to $300,000 per accident and Property Damage limits of $100,000.

We re-quote your policy at every renewal.  As an Independent Insurance Agent we work for you not for the insurance company. We work to get you the best coverage and the best price with the best company period.  We quote your policies with up to 16 different carriers making sure we find the best policy to meet your particular needs.  If you ever have a question on your policy give us a call at 602-412-3366.

It is also very important to discuss other coverage's that are available to you including uninsured or under-insured protections, medical payments, rental reimbursement and roadside coverage.


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    6751 N Sunset Blvd #320
    Glendale, AZ 85305
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Copper Mountain Insurance Solutions
6751 N Sunset Blvd #320
Glendale, AZ 85305
(602) 412-3366
Click Here to Email Us

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