At Ransom & Associates Insurance Agency, we understand that many people set goals for their retirement. For some individuals, traveling the country and beyond borders becomes their top goal. They want to see what’s beyond the borders of Winder, GA, and they use their motorhome to do so. The type of RV insurance needed varies depending on whether the RV owner travels occasionally in the vehicle or lives in it full time.

Full Timers RV Coverage

Some motorhome owners travel in their vehicles all year after retiring. They might sell their home and choose to live in their RV, traversing state and country borderlines to explore the open road. This requires a higher level of coverage that adds to the liability and personal property coverage than an occasional-use policy.

Residing full-time in a motorhome increases the insurance coverage needed because of the added time spent in the vehicle. While an RV policy for an occasionally used vehicle typically includes liability, comprehensive, and collision coverages, a full-time policy includes the following coverage types:

• Increased personal liability
• Comprehensive and collision
• Personal property protection
• Loss of use
• Medical payments.

Loss of use covers your hotel bill if damage to your RV makes it temporarily unlivable. It pays for lodging and per diem while your vehicle undergoes repairs.

Contact Us Today

Have you changed the way you use your RV? Phone or email Ransom & Associates Insurance Agency today to start your policy update. Let us help you fully insure your home on wheels so you protect your financial security during your travels outside Winder, GA.

Essential Aspects of RV Insurance Coverage in Winder, GA

All RV owners understand the significance of consistent insurance coverage. Any lapse in coverage can increase premiums. Let’s cover the basics of RV insurance, and remember, it’s always a good idea to consult with a professional insurance agent for individual advice.

Shared Ownership

Shared ownership is an economical choice for families that do not live consistently in their RVs throughout the year. In this arrangement, more than one person owns and operates the RV, with co-owners typically sharing the cost of repairs and upkeep. Before entering into a co-ownership agreement, obtaining approval from your insurance company is crucial.

RV Modifications

Any alteration to recreational vehicles potentially impacts your insurance premiums. Depending on the nature of the upgrade, you might want to consider additional coverage for any potential damage. Since there’s a wide range of possible modifications, it’s advisable to speak with an agent at Ransom & Associates Insurance Agency when you make changes to your RV. They will guide you on how these alterations will affect your insurance coverage.

Off-Season Coverage

Many families love to use their recreational vehicles for summer camping trips but store them away during the rest of the year, including the harsh winter months. Maintaining your insurance coverage during these off-season times is vital to avoid lapses. However, you can often adjust your coverage for less coverage and lower premiums during these periods.

Contact Ransom & Associates Insurance Agency

Various factors can affect your RV insurance coverage in Winder, GA. It is vital to update your coverage regularly to ensure adequate coverage when needed. Professional agents at Ransom & Associates Insurance Agency are available to assist you in finding coverage that meets your needs. Contact us today to learn more about the different levels of coverage.

Most RVs today are more like a palace on wheels. And that is also why RV owners from all over Winder, GA turn to the Ransom & Associates Insurance Agency.

Protecting Your Tenement on Wheels

The truth is that beauty truly is in the eye of the beholder, and RV owners are particularly partial to their rolling abodes. In all fairness, though, RVs don’t really look like Cousin Eddie’s, and they can be a considerable investment too. 

Like any good investment, it is always worth protecting. And in particular, those investments that afford so much fun, pleasure, and opportunity. For RV owners in and around Winder, GA, that protection begins with getting the right RV insurance. And at the Ransom & Associates Insurance Agency we help RV owners find the right insurance solutions for all their RV insurance needs.

RV Insurance You Can Count On

It doesn’t matter if you drive your RV 50 miles every year or if you travel hundreds of miles a month; protecting your home away from home is important. And that is why it is important to make a checklist of everything you need before you head out in that trusted family RV. 

Don’t Forget Your RV Road Trip Checklist

From liability protection to collision coverage and more, RV owners need RV insurance solutions they can rely on. Just like a first aid kit and travel supplies, be sure that your insurance is up-to-date and good to go wherever you go. 

If you are looking for a reliable, local, and trusted professional insurance partner to help with your RV insurance needs, look no further than the Ransom & Associates Insurance Agency. Contact us to learn more or to schedule an appointment to get the RV insurance solutions you need today.

Could you put your RV on your auto insurance? Technically, yes. However, even though your auto liability may cover RVs, it may not give you enough coverage for everything that can happen on and off the road. Talk to the agents at Ransom & Associates Insurance Agency in Winder, GA to determine the best coverage for your rolling vacation home.

Here are some of the major differences between auto and RV insurance to help you determine the best coverage for your vehicles:

Vacation Liability Coverage

Car insurance covers accidents and related injuries. However, vacation liability, included with most RV insurance policies, covers events that can happen to your parked recreational vehicle. That can come in handy if someone vandalizes or burglarizes your RV vacation home.

Higher Limits

Large RVs are typically much more expensive than cars and other vehicles. Additionally, they cost more to own and operate. Therefore, you may need more insurance to cover your investment.

Due to their sheer size, recreational vehicles can do a lot of damage to smaller cars and trucks. In the case of an accident, this may increase your liability. Therefore, specialized insurance that compensates for this added risk can give you more financial protection and confidence when driving on busy highways. Your agent can help you decide what additional coverage would benefit you the most.

What Does Insurance on an RV Cover?

You never know what you’re going to face on the open road. That’s why it’s important to tailor your recreational vehicle insurance to your specific needs. Most policies include falling objects, vandalism, storms, fire, floods, and natural disasters. To create the right policy for you, it’s important to understand the liability you’ll face during each stage of your journey. You can do this more easily with RV coverage than with auto coverage alone.

Give Us A Call

Contact Ransom & Associates Insurance Agency in Winder, GA to set up an appointment for a free quote.

If you’re a Winder, GA resident and own an RV, you know how important it is to have full coverage insurance. RVs are a significant investment, and if something were to happen to you, you want to ensure that you’re covered.

Here are some benefits of having full coverage RV insurance:

Protect Your Investment

RVs are a significant investment, and you want to ensure that your investment is protected. Full coverage insurance can help cover repairs or replacement costs if something happens to your RV. Collision or liability insurance only covers certain types of damage, so it’s essential to have full coverage to protect your investment.

Also, if you have an RV loan, your lender will probably require you to have full coverage insurance. The bank or financial institution wants to ensure that they protect their Winder GA investment in case of an accident or other covered peril, such as theft or storm damage.

Your Ransom & Associates Insurance Agency representative can help you choose the right RV insurance policy to protect your investment.

Liability Protection

If you’re in an accident and it’s determined to be your fault, full coverage insurance can help cover damages to the other party. This includes property damage and medical expenses.

No one wants to think about what could go wrong on their RV trip. However, it’s essential to be prepared for the worst. That’s why having full coverage RV insurance is so important. It can help protect your investment and give you peace of mind.

If you have questions about RV insurance, or if you’d like to get a quote, contact Ransom & Associates Insurance Agency in Winder, GA today.

As one of the most beautiful states in the US, it’s not uncommon for both locals and tourists to explore the great state by RV. Anyone with a recreational vehicle (RV) in Winder, GA should understand the importance of having RV insurance to cover this large investment. 

In the state of Georgia, state law requires liability insurance at a minimum. Liability insurance covers you in the case where you injure yourself or others, or if there is any vehicular damage in the event of an accident. 

However, liability insurance won’t cover everything. While you may be thinking, "I’m a safe driver. Nothing is going to happen to me." Unfortunately, we can’t control other drivers on the road, or other scenarios that may occur. You want to be prepared for anything.

There are many insurance options available, and the experts at Ransom & Associates Insurance Agency strongly encourage you to look into the various options and coverage when insuring your RV. 

While liability insurance is the minimum required, when you embark on an adventure in your RV, insurance coverage should be the last thing on your mind. Cover your bases now and should something happen while you’re using the vehicle, you’ll have peace of mind knowing that you are properly covered for whatever financial cost you may incur. 

If you’re in Winder, GA or the surrounding areas, be sure to contact Ransom & Associates Insurance Agency for all your insurance needs. Our team of agents has a wealth of experience with insurance sectors including auto, home, life, commercial, RV, umbrella, and more. We’d be more than happy to discuss your coverage options and help you find the best plan for your motor vehicles, and any other insurance needs you may have. Reach out today!