Category: RV Insurance

Why You Really Need To Upgrade Your Insurance if You Start Living Full-Time in Your RV

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Because most people use their RVs for travel, rather than full-time living, most insurance companies offer RV insurance that’s suitable for travel situations. The policies cover the times you take trips — they’re meant for intermittent use, and they otherwise cover storage. But those policies often aren’t enough to cover the issues you might face if you were to live in your RV full-time. If you’re making the transition from part-time to full-time RV life, we here at the Kerndt Brothers Insurance Agency, serving Lansing, IA, want you to know why you should update your insurance policy.

Making Your Vehicle Your Home

When you live full-time in your RV, you’re treating the vehicle as your home. This is not intermittent use and brings with it a lot of the insurance issues that houses and other stationary dwellings face. Things like liability if someone trips while walking across your RV space suddenly become an issue. You need insurance that covers situations like this 24/7, and not just when you choose to activate the policy for a trip.

Yes, full-time RV insurance can be more expensive, and you may have to hunt around for an insurance agency that offers it. But if you’re tempted to stick with part-time RV insurance and activate it only before storms, for example, you’re setting yourself up for a lot of trouble because you never know what can happen. Plus, if you keep part-time insurance but try to file a claim for something that happened when you were living in the RV full-time, you risk your insurance company finding out — and that can result in you losing the policy.

If you’re looking for RV insurance and aren’t sure if the time you spend in the RV is in the part-time or full-time category, call us here at the Kerndt Brothers Insurance Agency, serving Lansing, IA. Find the right policy that covers how you really use your RV.

Does RV Insurance Apply to Trailers?

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Add a trailer to your RV and you’ll find hauling add-ons is that much easier. However, there is some question and concern among RV owners about insurance after adding a trailer. Fret not, as the Kerndt Brothers Insurance Agency has the answers.

RV Insurance and Trailers

The addition of a travel trailer to your RV has the potential to complicate insurance. Some insurers offer specialized travel trailer insurance that is separate from RV insurance.

If you already own an RV that is insured, take a look at the small print of your policy. You can also call your insurer for more information about your policy details. There’s a chance your existing coverage in Lansing, IA is already applicable to a connected trailer.

Trailer Coverage Through Other Insurance

There is a common misconception that trailers are insured through regular auto or home policies. Though there might be some instances when an auto or home policy has the potential to apply to a trailer, these policies generally do not cover trailers.

As an example, many auto and RV insurance policies do not cover trailers when they are not in transport. This means if the trailer is parked in your driveway, garage or other space, coverage might not apply.

The same is true for home insurance. Though the trailer’s presence on the property that the home is located on might trigger coverage, there is the potential for gaps. Moreover, there is also the potential for storm damage or other damage to compromise the parked trailer, meaning home insurance might be applicable.

Contact Kerndt Brothers Insurance Agency for Your Quote

Our insurance is fair and affordable. If you are in the market for coverage in Lansing, IA or a nearby area, give us a call for a personalized quote.

What’s the Difference Between RV Insurance and Regular Auto Insurance?

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Owning an RV and a regular automobile offers two very different experiences. While your car may get you from point A to point B, your RV can take you on adventures or even serve as a home on wheels. But when it comes to protecting these vehicles, is there really a difference between RV insurance and regular auto insurance in Lansing, IA? Let’s break down the distinctions between these policies.

Similarities Between RV and Auto Insurance

When comparing RV and regular auto insurance, it’s important to understand the similarities between the two policies. Both insurances include basic liability, collision, and comprehensive coverage to protect against accidents, property damage, and non-collision incidents, such as natural disasters and theft.

In addition, both RVs and regular vehicles must meet state-mandated minimum insurance requirements for road use. This helps ensure that drivers are financially responsible in the event of an accident.

Key Differences in Coverage

The biggest difference between an RV and a regular vehicle is that RVs often double as living spaces, meaning they may require additional coverage. RV insurance often includes expanded liability coverage to protect against incidents that occur while the RV is parked at campgrounds or used as temporary housing.

In addition, RV insurance offers coverage to protect personal belongings stored in the RV, such as kitchenware, furniture, and electronics. This means that RV owners are adequately protected for both living and travel scenarios.

Contact Kerndt Brothers Insurance Agency

While RV insurance is similar to regular auto insurance, it provides coverage tailored to RV owners’ unique needs. Serving Lansing, IA, and the surrounding areas, Kerndt Brothers Insurance Agency offers comprehensive insurance solutions for those who need personalized auto coverage. Call today to get started.

Four of the best features of your RV insurance policy

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The Importance of RV Insurance Coverage

As an RV owner, it is crucial to understand the range of benefits you can enjoy when you have proper RV insurance. Kerndt Brothers Insurance Agency is committed to providing superior RV insurance to Lansing, IA RV owners.

Key Features of RV Insurance

Here are four vital features you can expect from an RV insurance policy.

Roadside Assistance

A vital feature of motorhome coverage is roadside assistance, which can be significantly helpful when your RV breaks down on the road. It includes access to a tow truck, reducing the stress of being stranded away from home.

Storage Discounts

Many RV owners do not use their vehicles throughout the year. If this is true for you, you’ll appreciate storage discounts available with RV insurance. These can effectively reduce the coverage cost during periods when your RV isn’t on the road.

Comprehensive Coverage

Collision insurance alone doesn’t cover several potential damage causes, such as theft or vandalism. It is where comprehensive coverage comes in handy, ensuring cover for various damages, including fire and theft.

Total Loss Replacement

Should your RV get totaled in an accident, a replacement coverage policy will ensure you’re adequately compensated to replace your RV with a new one.

Contact Us

Are you looking for comprehensive RV insurance coverage in Lansing, IA? Connect with us today at Kerndt Brothers Insurance Agency for more information on our customizable insurance coverage options and a quote on your desired policy.

Tips for taking your RV on a long distance trip

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If you’re planning to take your RV on a long-distance trip from here in the Lansing, IA area, there are some important things to keep in mind. To make sure your journey is a success, here are some tips from us at Kerndt Brothers Insurance Agency to follow.

Tips for taking your RV on a long-distance trip

1. Plan out your route ahead of time

Before embarking on your trip, be sure to map out your route and plan any overnight stops along the way. Make sure to check whether there are any road closures or construction that could cause delays or detours.

2. Pack an emergency kit

Be prepared for anything while on the road by packing an emergency kit with essentials such as water, snacks, first aid supplies and basic tools like flashlights and wrenches. You never know when you may need them! 

3. Stock up on food and drinks 

Make sure you’ve got enough food and drinks stocked up in the RV so you don’t have to worry about making frequent grocery store stops during your trip. It’s also a good idea to bring along cooler bags filled with ice packs to help keep items fresh for longer periods of time. 

4. Keep track of maintenance needs

As with any vehicle, it’s important to make sure that all its moving parts are functioning properly for the duration of the trip. Regularly check oil levels, brakes, and tire pressure — this can help avoid unexpected breakdowns while away from home! 

5. Have fun!

Most importantly, remember that taking an RV on a long-distance trip is all about having fun! Leave plenty of time during each stop over so that you can explore what each destination has to offer.

Reach Out To Us!

For more tips, give us at Kerndt Brothers Insurance Agency a call. We are proud to serve the Lansing, IA area.