Category: RV Insurance

What Every First Time RV Owner Should Know About Insurance in Oshkosh, NE

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Congratulations on your new RV purchase! Whether your RV is a custom-made Class A motorhome, a brand-new travel trailer, or a gently used fifth wheel, there is nothing more exciting than loading up the family and hitting the open road for outdoor fun and exploration with loved ones and friends. 

The local RV insurance professionals at Western Trails Insurance in Oshkosh, NE, provide quick and easy-to-follow tips and tricks to help you get started below. 

RV Insurance Basics for First-Time RVers 

Just like auto insurance or home insurance, RV insurance is designed to protect the exterior, interior, and covered accessories of your RV.

Different levels of coverage can include basic liability coverage to satisfy state insurance minimums, comprehensive RV insurance coverage that protects your RV and finances from a wide variety of possible perils, and collision insurance for RVs, which helps to cover the cost of repairing or replacing campers, trailers, and fifth wheels that have been involved in an accident. 

The Difference Between Comprehensive, Collision, and Liability Insurance for RV Owners

The primary difference between liability and comprehensive or collision coverages is that liability RV insurance meets state minimum requirements and covers at-fault drivers for limited accident-related protections, which can include legal liability claims from injured drivers, medical expenses, and property damage claims when the driver is at fault for an accident. 

Comprehensive and collision coverages for RV owners extend their liability-only policies to cover more events, accidents, and non-accident-related perils.

Talk to a licensed and friendly insurance agent at Western Trails Insurance in Oshkosh to learn more about getting full coverage RV insurance and compatible add-ons like emergency roadside assistance, towing, and trip interruption benefits for RV owners. 

Your Guide to RV Insurance Options

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Western Trails Insurance has provided Oshkosh, NE residents with RV insurance protection for many years and can help you find an option that makes sense for your needs. Here’s your guide for sorting through your options to ensure that you find the policy that feels right for your RV.

Find Strong Liability 

If you plan on driving with your RV heavily throughout the camping months or hosting people at your camp, you’ll need liability protection. It will protect you if you get into an accident in your RV and hurt another person or if someone gets injured while visiting your RV.

Identify Intelligent Dwellings Support

Your RV is both a vehicle and a temporary home, so you need to make sure that you have dwelling coverage. This will protect you if your RV’s interior items get damaged, such as anything you might have brought with you, like electronics, furniture, and other expensive items.

Remember Comprehensive Coverage

Are you worried about potential damage seriously impacting your RV? Well, comprehensive coverage can pay for various types of problems, including damage by floods and fire. Remember: it’s both a home and auto insurance policy, with many of the same protections both provide.

Don’t Forget Your Premiums!

When sorting through your different insurance options, make sure you pay attention to premiums. These can vary heavily based on many factors, so make sure that you gauge which makes the most sense for you. Doing so can ensure that you don’t pay too much for your policy.

We Are Here To Help

At Western Trails Insurance, we can help Oshkosh, NE area RV owners get the long-term help necessary to keep their vehicles safe. These important and high-quality rigs can make camping enjoyable and provide a unique and enjoyable experience when well-protected. So make sure you get a policy that suits you.

The Pros and Cons of Full-Time RV Insurance Coverage

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Insurance coverage plays a vital role in protecting those registered in Oshkosh, NE living a full-time RV lifestyle from the unexpected. Full-time RV insurance provides peace of mind and financial protection for travelers. But what are some of the pros and cons to consider when looking into full-time RV insurance? We at the Western Trail Insurance Company can help you navigate this vital coverage. 

Coverage When You Need It Most

One of the main advantages of full-time RV insurance is that it covers your home away from home. Whether you’re parked at an RV park or going off-road, having coverage can help ensure that your assets and possessions stay protected, no matter where your journey takes you. It also gives you greater flexibility when filing claims for damage caused by storms, fires, theft, vandalism, or other misfortunes. 

Roadside Assistance

Full-time RV insurance also typically covers the cost of towing and roadside assistance, allowing you to get back on the road quickly should your vehicle break down. This can be a big help for those who don’t have the resources to cover a tow truck themselves in an emergency. 

The Cons

However, there are some drawbacks to full-time RV insurance as well. One policy typically doesn’t include any liability protection for potential accidents or injuries incurred while traveling. Additionally, RV insurance may not cover specialized features such as slide-outs and generator equipment. 

Reach Out To Us

Overall, when deciding if full-time RV insurance is right for you, weighing the pros and cons is essential. At Western Trail Insurance, serving the greater Oshkosh, NE community, we can help you evaluate your needs and determine coverage options that will suit you. With our experience and expertise in the RV insurance industry, we strive to provide custom protection plans that meet your unique requirements. Contact us today to learn more about how we can help protect your full-time RV lifestyle!

Is having RV insurance a good idea?

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In the Oshkosh, NE area, having a fun way to explore the state and enjoy all of the local amenities is a good idea. One of the ways that you can do this is by getting your own RV. If you choose to purchase one, you also need to make sure you are fully insured. Consult with Western Trail Insurance to get this vital coverage for your vehicle. 

There are a few reasons why having an RV policy can be a good idea

It Covers Your Vehicle

One good reason to always have an RV insurance plan is to ensure you are able to cover your RV. While your RV will be used to have a lot of fun, it can cost a significant amount of money. Fortunately, you can protect your investment in this asset with RV insurance. With this plan, you will have support if your RV is stolen or damaged in some type of accident. 

You Can Mitigate Liability Risks

It can also be a good idea to get an RV insurance plan as it can help to mitigate your liability risks. There are always going to be risks that come with using an RV, which includes the risk that you will be named liable in an accident and for someone’s damages. If you get proper insurance, it will provide you with this support and insurance protection. 

Get RV Insurance Today

An RV insurance plan should be considered a necessity for anyone that owns an RV in the Oshkosh, NE area. When you start looking for coverage, you can find that it is hard to build a policy. Once you are ready to start looking for a plan, calling Western Trail Insurance will be a big help the team with Western Trail Insurance values this unique coverage and will offer any support necessary to build a plan. 

RV Insurance Myths Exposed

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Western Trail Insurance serves the Oshkosh, NE Community. We are an independent insurance agency. We have relationships with multiple carriers throughout the Midwest. This allows us to weigh the needs of our clients on an individual basis. We offer unique policies that align with the needs of our clients. We look forward to helping you find the coverage you need.

RV Insurance Myths Exposed

If you plan to head out of Oshkosh, NE in your RV for a camping trip, you need to make sure that you are protected. Having a good RV insurance policy ensures that you have a safety net while you’re out on the road. If your RV collides with another vehicle or object, you are protected. You are also covered if you are a victim of theft or someone vandalizes your RV. Liability coverage will protect you if you accidentally cause property damage or someone gets hurt. As you research RV insurance policies, avoid these common RV insurance myths.

I Can Rely On My Auto Insurance

This is incorrect. Many people assume that their RV is covered under their auto insurance policy, even though there are clear differences between an RV and a truck or SUV. RVs are generally bigger than large SUVs, and they carry higher risks when you operate them. RVs generally hold accessories such as trailers or campers that RVs don’t. For that reason, RV insurance is the only way to fully protect your asset if something happens.

Every RV Is The Same

This is also incorrect. Some RVs are larger than others. If you have a large RV, you can add more accessories and personal items, which means you need a higher level of coverage. Your policy may also vary according to whether you are staying in your RV year round or simply going on vacation periodically.

Western Trail Insurance Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.