Believe it or not, summer break is just around the corner for America’s youth. This means that the kids will have entire days free, and most likely will tell you time after time that they’re bored. If that is the case, then it might be time to take a family road trip in the RV. There are so many scenic places that are worth the drive, and that the entire family will love. Maybe you and your spouse are retired and are getting ready to do a cross-country road trip. Maybe you already have a spot at a campground that your family goes to every weekend where the kids get to swim and hang out with friends while you get to kick back and enjoy nature.
Just talking about it makes us more than ready for camping season, but before you even begin to think about taking your RV anywhere, you should first think about insurance. It is important to re-evaluate your coverage if you already have it in place, or to get coverage if you don’t already have it in place. Camping can be so much fun, but an uninsured accident or disaster would put an end to all of the fun pretty quickly. With that being said, there’s no need to stress, because we’re here to help! Below, we’re breaking down where to find Cleveland camper insurance, and explaining what coverage you may need.
The first step…
Before you even begin looking into what insurance company would be best for your family’s RV, your first step in figuring out where to find Cleveland camper insurance should be to begin to think about what coverage you may be interested in. Having an idea of what each different coverage does for you will better enable you to stick to your budget and only get what is necessary for you.
So what coverage do you need?
While we are breaking down coverages here, please keep in mind that there are many different options and that we are simply naming a few here. Always do further research!
Liability - For RV’s that you drive, this coverage is actually required. If you have an RV that you pull with a car or truck, then this isn’t the type of coverage for you. This coverage will pay for damages or injuries that you cause while driving your RV. This is an important one to think about when taking the first step of considering where to find Cleveland camper insurance, because it is essential for RV’s that you drive.
Comprehensive and Collision - Comprehensive coverage is the type of coverage that kicks in when you’re in those “seriously, why does this happen to me?” situations. Things such as theft and vandalism are prime examples of this. Collision, on the other hand, kicks in when you’re in a collision accident, regardless of who is at fault.
Full-timer’s Liability - If you live in your RV and consider it your permanent residence, you’ll want to look into this policy. This coverage deals with liability claims for those that do choose to reside year-round in their RV. If you’re retired and you and your spouse have decided to sell the house and travel the country, this one’s for you!
So what’s next?
Now that you have an idea of what some of your coverage options are, it’s time to look into different insurance companies and ask some questions. Here are a few to consider asking…
Is the insurance agency small or large?
This is an important question to ask when looking into where to find Cleveland camper insurance. This is a personal preference for most people, but you should try to figure out what exactly you want out of your agency. If you want to be able to go to the local agency and have your agent ask how your son’s soccer team is doing, then you’ll want to go with a smaller agency such as our locations in Elyria and Avon Lake, Ohio. If, on the other hand, you want to be able to call and reach someone to make a claim at 2 a.m., you might want to consider a larger agency that can afford to have people working 24/7.
What are other people saying about the insurance agency?
This isn’t a question you’d want to ask the insurance agency, but it is a question you’d want to do some google searching for. Are there online reviews for the agency you’re looking into? Do people seem to have had good experiences with this agency? It’s important to think about these things before going with an agency blindly and doing no research when figuring out where to find Cleveland camper insurance.
As always, we’re here to help!
If you’re reading this article thinking, “okay, I have an idea of what I want from an insurance agency, and I want one that is reliable and cares about me as an individual” then you’re in luck! Here at Cobos Insurance, we provide policies based around you and your family’s needs, so if you’re looking for the answer to the question of where to find Cleveland camper insurance, look no further. We will get you connected right away with someone who will be willing to talk through the different coverage options and make sure you are informed about what we have to offer you. Click here to get in contact and start feeling that peace that comes from knowing you’re protected, no matter what life throws at you.