Motorhomes offer freedom and unique experiences and adventures. Enthusiasts typically customize and upgrade their recreational vehicles for a variety of reasons, and having an RV policy in place to cover them is essential. Here are some tips from our agents at Ransom & Associates Insurance Agency in Winder, GA.

What Upgrades Do For Motorhomes

Add-ons and upgrades can do a lot for motorhomes including increasing the following:

• Functionality: Solar panels, security systems, and water tanks are a few additions that can boost the self-sufficiency and functionality of a motorhome.
• Comfort: Upgrades like better mattresses, climate control systems, sound systems, and custom interiors can enhance your time on the road.
• Aesthetics: Awnings, upgraded interior decor, and custom paint work are a few ways to create a unique motorhome that reflects your style.
• Resale Value: Add-ons and upgrades can increase the resale value of the vehicle, which comes in handy should you sell or invest in a new motorhome.

Motorhome Insurance and Customization Policies

Motorhome insurance covers more than the primary vehicle, and it can extend coverage to any customizations and upgrades. Here’s how:

• Custom Equipment Coverage: Many motorhome policies offer customized equipment coverage. Should your add-ons and upgrades get damaged or stolen, the insurance will cover replacement or repairs.
• Personal Effects Coverage: This coverage extends to the personal belongings inside your motorhome and includes upgraded items.
• Agreed Value Coverage: This is a value agreed upon between the insurer and owner should the vehicle get totaled or stolen. Covered losses, including customizations, are paid to the policyholder.
• Full-Timer’s Coverage: This coverage is designed to suit the unique needs of those who permanently live in their vehicle and includes personal effects and customizations.

Protect Your Motorhome Improvements With Adequate Insurance

Ransom & Associates Insurance Agency in Winder, GA is here to help. Reach out to us about coverage before you drive your new motorhome off the lot!

When you’re on the road, it’s essential to understand and follow the state’s laws. When you have a motorhome, you may also be required to carry specific insurance to comply. If you want to learn more about motorhome insurance, the experts at Ransom & Associates Insurance Agency provide coverage that meets your needs. We proudly serve the residents in and around the Winder, GA area with coverage that offers peace of mind. 

Motorhome Insurance 

If you own a motorhome, you must know which states require that specific coverage before you hit the road. It’s important to stay in compliance, which is why our team of agents is ready to help. We work closely with each customer to ensure they understand the terms and conditions of each policy. We strive to provide each individual with reliable coverage that protects them while on the open road. 

When you work with our team, we help you understand your current needs and match you with policy options that meet or exceed those needs. We also allow you to gather and submit documentation to secure the policy. If you have any changes along the way, we can provide support. 

We aim to give each customer the resources they need to feel confident about their insurance policy choices.

Reach Out Today

If you would like to learn more about motorhome insurance coverage, please reach out to Ransom & Associates Insurance Agency today. Call or stop by the office if you live in or around Winder, GA, and one of our team will be happy to assist you or schedule a consultation. Get reliable insurance for your motorhome so you can be protected and complainant while on the open road. 

Many vacationers throughout the country purchase motorhomes. The convenience of having your sleeping quarters, kitchen, and freedom to travel at your own pace is too attractive for some to ignore. You are able to go anywhere, any time. You can stop whenever you choose and stay in each place as long as you like.

However, you don’t want to let your second home go unprotected. The professionals at Ransom & Associates Insurance Agency in Winder, GA can help you protect this investment.

Motorhome Insurance: What You Need To Know

Motorhomes are in the category of Class A recreational vehicles. RV is a term that covers many different types of vehicles, including motorhomes. These vehicles are large and could cause significant injuries and damage to other vehicles, property, and drivers if an accident occurs. That is why insurance protection is so necessary.

Coverage for motorhomes includes property damage, collision, bodily injury liability, comprehensive, and uninsured motorists. This coverage will help pay for repairs to your motorhome and its contents in certain situations.

There are also specialized insurance coverages that are available, such as vacation liability, custom equipment, and total loss replacement. Based on how much your motorhome is used, the annual insurance premium can range anywhere from $200 to $3000.

Because a motorhome is like a small house, you need different coverage than is needed for your car. They are not used in the same fashion as a car; therefore, you must have specialized insurance for your motorhome. For example, vacation liability provides personal liability coverage when the motorhome is parked off public roads and when it is used for recreational purposes only. It does not overlap with any automobile liability coverage.

Get Motorhome Insurance Today

Remember to purchase motorhome insurance to make sure your second home is protected. Contact the professionals at Ransom & Associates Insurance Agency in Winder, GA today for the peace of mind you need.

Winter is the perfect time to settle into your home in Winder GA and enjoy time with the family. When you don’t plan on taking any trips, Ransom & Associates Insurance Agency suggests that you winterize your motorhome to keep it in running condition.

Empty the Water from Tanks and Lines

Leftover water in the plumbing can freeze, and it can allow bacteria to grow and create gross smells in the black and gray water tanks. Emptying the tanks and giving them a cleaning flush will reduce smells and limit the impact of any freezing inside of the tanks. Make sure to give the water in the water heater time to cool beforehand. Drain the lines afterward.

Take Out the Inline Water Filters

Winterization can damage these filters, so take them out before continuing with the next step.

Pump the System with Antifreeze

Start by bypassing the water heater, which may be a simple process on RVs with a bypass already installed. Otherwise, you’ll need to look up the steps. Pump the RV antifreeze into the system, then open the faucets in the RV. Start with the ones nearest the pump, opening the hot side first until antifreeze flows. Flush the toilets next so they fill with the antifreeze. Lastly, dump a cup of antifreeze down each drain, turn off the pump, and close the system.

Keep Your Insurance Active

Even when in cold storage, your RV is a valuable asset that needs protection. At Ransom & Associates Insurance Agency serving Winder, GA and surrounding Barrow County, we recommend contacting your agent or provider and seeing if winterization is factored into your policy or if there are lay-up coverage options that cut your costs but keep the protection that you need like fire and theft.