Category: RV Insurance

Weather events in 2024 have taught us that even if you live in Florence, AL, or anywhere in northern Alabama, a hurricane can damage your RV. Many McBride Benefit Solutions customers ask, "Is my RV insured in case of a hurricane?"

If you carry comprehensive insurance on your RV, the answer is "Yes, except…." McBride Benefit Solutions can help you with the exceptions.

Comprehensive insurance is designed to provide coverage for almost all the hazards RV owners face.

If you carry comprehensive insurance, and a tree falls on your RV, you are covered to the limit of your policy minus your deductible. The same coverage applies if you carry comprehensive insurance and hail knocks out your windshield.

But an ordinary comprehensive rider may not be enough if your RV is knocked over by straight-line winds, carried away by a tornado, or submerged by floodwaters. You may need additional coverage in the event of a hurricane.

The time to get additional coverage is always now. If you take your RV on a trip to the Gulf, you can’t get wind and flood coverage once a tropical storm or hurricane watch or warning goes out, and you can’t get this coverage at the last minute.

And since even inland locations can be affected by powerful hurricanes, we recommend a review of your comprehensive coverage even if you are storing your RV in Florence, AL, or another location far from the coast. If you are storing your RV in a rented, covered stall, your homeowners policy may cover it, but if you have your RV in a garage or shed at home, you will need "other structures" coverage.

Don’t let a hurricane strike without coverage. Call us today to make sure you have the coverage you need.

McBride Benefit Solutions is here for the residents of Florence, AL, and the surrounding communities. You can count on us no matter what type of insurance policy you need. RV insurance is just one of the policy lines we specialize in to meet your needs. Give us a call today to find out more!

Enjoy a smooth road ahead.

Taking the time to thoroughly review your current RV policy before you head out on the road helps make your journey smooth. Sitting down with your local agent before RV season gets into full swing can also help you avoid many pitfalls.

RV policy needs can differ based on factors like how many miles you typically put on the vehicle each year, whether you travel from place to place or stay in a park, and where you store the RV when it’s not in use. We can help you review your policy for completeness and ensure that it provides the proper protection for how you use the vehicle. We recommend that our clients look closely at their policies once a year to review the coverage and ensure it makes sense for their needs.

RVs provide a lot of enjoyment and offer you an exciting lifestyle. Let us help you protect that enjoyment and keep you safely on the road for many years to come!

We’re here to help!

If you live in the greater Florence, AL, area, the team at McBride Benefit Solutions is here to help you with all your insurance needs. Give us a call or stop by our office today to learn more. We look forward to seeing you soon!

As we know at McBride Benefit Solutions in Florence, AL, an RV owner’s worst nightmare is entering their garage and finding that their prized RV is no longer there because it fell into the hands of thieves. When your RV has been stolen, there may be a million different thoughts running through your head. You might wonder if it’s your fault or if there was something you could have done differently to prevent the theft. You might also wonder if your home will be a target of another theft now that someone has stolen something that is so valuable to you. 

Can RV Insurance Help Replace a Stolen RV?

For many RV owners who have had their RV stolen, a chief concern is how they will afford to replace an RV. After all, RVs are not cheap. Even if you bought a used RV or got a good deal on it years ago, the costs associated with replacing an RV can be more than what your budget can cover. Thankfully, in this case, your RV insurance policy may be able to help. Although some RV insurance policies might have different coverage, terms, or limits than others, we can give you a general idea of what you can expect when you ask your insurance agent at our office whether your policy could potentially cover some or all of the costs of replacing a stolen RV.

When an RV has been stolen, your RV coverage could potentially cover all or some of the costs associated with replacement depending on the terms. There may be certain limits to your level of coverage. When you speak with an agent, they’ll walk you through this process.

For RV coverage, call McBride Benefit Solutions in Florence, AL today!

As a team of qualified professionals at McBride Benefit Solutions in Florence, AL, we hear certain questions about RV insurance more often than others. To help you decide if RV insurance is right for you, we’ve compiled some answers to our most frequently asked questions. Of course, our team is always here to answer more specific questions and discuss our policies in greater detail at our office in the area. For general answers to FAQs, keep reading the article below.

What does insurance on an RV cover?

While every policy has different terms, some general issues that RV insurance might cover fall into the categories of damage, liability, and theft. If your vehicle is harmed by certain qualifying natural disasters, vandalism, or a wreck, RV insurance may help you cover the costs associated with fixing the vehicle or replacing certain parts. If your RV is stolen, the RV insurance might cover the costs of replacing the RV up to a certain amount. Specifics of what an RV insurance policy covers will be detailed in your policy.  

Does RV insurance cover items inside the vehicle?

With some RV insurance policies, you may be able to cover valuables inside the vehicle if it’s stolen or damaged. Some have limits on the types of items covered. It all depends on the terms of your policy.

Is it a good idea to get RV insurance?

In our opinion, if you have an RV, it is best to get RV insurance. Even if you don’t intend for it to become damaged or stolen, there’s no way to predict the future. If you are covered today, you won’t have to worry about what tomorrow holds.

To learn about our RV insurance coverage, call our office at McBride Benefit Solutions in Florence, AL today!