When making the jump to live in an RV full-time, it is important to make sure that the insurance policy you carry covers not only the RV itself, but also all your personal possessions and property. An insurance policy for those living in an RV is very similar to a homeowner’s policy. The two main types of coverage to consider when purchasing or renewing a policy are:
When living in an RV full-time, all the possessions that you own are with you and for that sole reason, you want to make sure that all personal items are protected and covered should loss or damage occur. When shopping for insurance, inquire about how much monetary coverage the policy provide and if it will cover the costs of your items. Ask if all items such as jewelry, electronics, small furniture items, tools, etc. are covered.
In addition, many who live in an RV full-time may store possessions in a storage shed away from where the RV is.. If the possessions within are damaged or stolen, check to see if insurance can be bought to cover these items.
Just as you would with a homeowner’s policy, bodily injury and property damage needs to be purchased as part of a policy in case of an accident if someone falls or slips while in your RV or on the campground area of where your RV is parked.
Runnels Insurance, serving Brandon, understands the different types of insurance needed to protect your personal possessions and your RV. Visit our website or call us at 813-653-0681 to talk to one of our team members about what type and how much insurance you need. We offer various types of insurance to provide you with the best pricing possible.
Making your home safe and secure is fundamental to keeping your family protected from outside influences, such as intruders and heavy weather conditions. There are a few things you can do to limit your home from being disturbed or damaged.
Simple Upgrades to Prevent a Home Burglary
- Lights – Shine lights on dark spots around your house. At night, take a walk around your property and investigate any areas that a thief could have access to. Add lighting to that area. Solar powered lights are good because they automatically come on when the sun goes down.
- Cameras – Small cameras around your home will give you extra security. Place a camera over your front and back doors and any sliding doors you may have. Make sure every access point is covered.
- Secure Sliders – Sliding glass doors are a thief’s dream. Even if they are latched, they are easier to open for an experienced intruder. Place a slide-locking bar on the bottom of the doorframe to prevent the door from moving.
Keep Your Home Safe During a Storm
- Windows – In Florida, hurricanes are prevalent. Having storm windows could prevent violent winds from breaking glass and causing you or your family injuries.
- Roof – Reinforce your roof with wind-resistant asphalt shingles.
- Gutters – Repair loose or clogged gutters. They can cause physical damage to your home during and after a storm.
- Loose Furniture – Lawn furniture and other unsecured debris should be tied down or brought inside before a storm. These items can become flying torpedoes in hurricane force winds.
Located in Brandon, Florida, the independent insurance agents at Runnels Insurance are available to assist you with information that will keep your home safe and secure. They can also provide research for your new or existing insurance policy.