Insuring Your RV, Boats: Keeping Summer Fun & Safe

Summer is on its way.  Before we know it there will be Memorial Day barbecues and long weekends at the lake.  (Next weekend to be exact, if you can believe it!)

That's why now is a great time to review insurance coverage on all of your summer toys.  Check out the things to consider (and review with us) before the big toys come out of winter storage.

1.)  RV - Your motorhome or travel trailer needs insurance coverage, especially if you'll be driving or pulling it this year.  Even if you don't have a loan on your RV, you will want it covered for theft or damage.  Whether they are parked on a lake lot for the season or driving cross country, we offer several RV policies to fit your needs.  Just call us for a quote.

 

2.)  Boat & Jet Ski - The same thing goes for your boats and jet skis.  You've made a big investment and it's important to protect them.  Not only should you worry about damage to your boat, but also make sure you have the proper amount of liability coverage.  Don’t forget your life jackets! 

3.)  Motorcycle - Ready to hit the road for a long drive?  Remember to brush up on your safety skills and always wear a helmet.  Don’t forget to make sure your motorcycle has liability coverage just like your vehicle!  We can help you determine what coverage you need.  

4.)  Swimming Pool - If you own a pool, then you need extra liability coverage including a Personal Umbrella Policy.  Why?  Because there is a lot more risk of someone being injured when you have a pool.  Don’t skimp on your coverage and make sure you have the pool area secured and safe.  For less than $12 a month you could buy an extra $1 million in coverage!

Summer is a lot more fun when you know that your high price summer fun toys are properly insured and protected.  Take 10 minutes to call us for a quote or to review your current coverage.  We are experts at summer fun & all the toys!  888-565-2212 or visit us online.

At the Bryan Agency we are the leading agents in the Hudson Valley and Long Island in home insurance, umbrella insurance, motorcycle insurance, boat insurance, and RV insurance coverage.

The Top 7 Camper Claims...Did you know?

Camper or RV insurance is a must-have for people with travel trailers or motor homes, because insurable incidents don’t leave you alone just because you’re on vacation.

Take a look at the top 7 claims experienced by camper and RV owners, and you’ll see just how necessary insurance is whether you are on—or off—the road.

1.) Fire Damage

Gas leaks and unattended indoor cooking sessions are often to blame for the fire damage claimed by RV owners. To avoid them yourself:

• Use leak detector solution to check for gas leaks.
• Don’t leave cooking food unattended.
• Do not use a grill inside the camper.
• Follow manufacturer’s instructions when using portable heating devices 

2.) Roof Damage

 Claiming damages that occur after driving into overhangs, signs and bridges is a common activity for RV owners. To avoid this:

• Know the height of your RV from the ground to its highest point.
• Always check clearances before driving underneath something.
• Remove antennas before driving if they extend higher than the highest point.

3.) Damages after a Tire Blowout

Tire blowouts can be easy to prevent:

• Keep tires properly inflated.
• Check tires at least weekly when the camper is in use.
• Keep weight appropriate to limits on the tires.
• Keep tires rotated and replaced when tread is low or tires cracked.

4.) Body Damage

Body damage can occur to any RV owner, but it can be easy to avoid if you::

• Take a course in learning how to back in, how to use your mirrors, and understanding your blind spots.
• Keep the RV or camper parked level and wheels secured so that it can’t roll.

5.) Damage to Awnings and Steps

Always retract steps and awnings before moving the RV or camper—even if you aren’t moving it far.

6.) Infestation

An unused RV makes a nice home for rodents and bugs. To lessen this risk:

• Drive the RV occasionally when not vacationing.
• Keep food and liquids out of the camper when stored.
• Keep mouse and bug traps in the camper and replace them as often as necessary.

 

7.)Theft

When travelling around from campsite to campsite, your RV can easily become the target of thieves, but you can reduce risk by:

• Keeping your RV locked whenever it is unattended.
• Keeping expensive items such as personal electronics out of view from the outside. 

For all your RV and camper insurance needs, give us a call 845-565-2200 or visit us online at http://www.bryanagency.com/. Stay safe this summer!