RamonaCreel.com

We’ve covered registration, mail, and other “before you hit the road” to consider — but what happens when your travels go awry? Today full-time Airstreamer Ramona Creel is sharing her tips for organizing and planning ahead to protect against the unexpected while you’re on the road.

Will auto insurance cover your RV as a full-timer?

Of course, auto insurance will take care of any items with your tow vehicle. It also covers your Airstream, as long as it sits in your driveway and doesn’t really go anywhere. But the minute you take your rolling home out on the road, filled with all of your worldly possessions — you need separate coverage.

How does full-timer insurance work?

It covers your actual dwelling against theft, vandalism, natural disaster, and other major damage. That includes any “outside” structures that are attached to the trailer, like awnings and LP tanks. It also reimburses you for the cost of a hotel and other daily living expenses, should you need to vacate the trailer for an extended period of time for repairs. But it also covers your trailer against driving accidents and breakdowns that require expensive repairs — this includes incidents that are your fault, problems caused by other drivers, and those “freak of nature” accidents that come up out of nowhere.

Does full-timer insurance cover anything else?

It insures not only the contents of your trailer, but also any other property you bring with you and store at your campsite — bicycles, generators, camp chairs. It also protects your interests when other people are on your “property,” which is defined as wherever you park and the interior of your trailer — while you may not be at all concerned about visiting friends suing you, it’s the guy you don’t know who cuts through your lot and trips over the grill that you’re shielding yourself against in this very litigious society — this clause eliminates any need for a separate umbrella liability policy.

Great tips from Ramona here on insuring your property and keeping yourself safe — that means you’ll get to enjoy the ‘Live Riveted ’ life without worrying about what’s around the next bend. If you need her help getting your asset-protection plan in order, contact her!

Next time, we’ll share Ramona’s tips on one final issue you need to consider before getting on the road — roadside assistance! Can’t wait!