RV Insurance vs. RV Warranty Protection: Do You Need Both?

RV-verses-insurance-or-warranty-protection-or-do-you-need-bothRV owners deserve to have some peace of mind when it comes to protecting their investment from mechanical failure or finicky service contracts. Often, this means deciding between an RV warranty and RV insurance. Should you choose a warranty? Is insurance the better deal? Or is there a reason you’d need both? Knowing a bit more about warranties and insurance can help you decide.

How does RV insurance work?

RV insurance is much like car insurance in the sense that you’re required to have minimum liability coverage for your RV for it to be road-legal. Liability insurance serves a specific purpose. If you get into an accident while on the road, your insurance company will cover the cost of property damages and medical expenses due to bodily injury. This varies, though, if you purchased your RV through financing. If you bought your RV through financing, you’ll also need comprehensive collision coverage. Collision insurance minimizes the cost of damages caused to the RV by an owner-caused accident. Comprehensive insurance protects owners from damages caused by fire, theft, and natural disasters.

This isn’t the only coverage you can get for your RV, either. There are other forms of coverage that will protect your personal belongings housed in the vehicle. There is even extensive coverage that will replace your RV or reimburse you should your vehicle be deemed a total loss by your insurance company. The level of coverage you need will vary but liability, collision, and comprehensive coverage are the most common. Keep in mind that, no matter what, you’ll need liability coverage at a minimum to legally drive your RV.

A look at RV warranties

An RV warranty provides the coverage that insurance doesn’t. RVs break down just like other cars, requiring them to be sent to service centers or a repair facility. Each warranty is commonly an extended warranty since it’s provided by a third-party provider rather than a manufacturer. An extended RV warranty provides coverage to an RV owner for just about any problem that a manufacturer would cover. It’s not uncommon for an RV to break down and many do within the first five years of ownership. Depending on your warranty or vehicle service contract, you could find yourself liable for some pretty expensive repairs. Common RV repairs can range up into the tens of thousands and wholesale warranties can offset a good portion of this cost. Both regular and wholesale warranties will require your nonpublic personal information to acquire.

So, where do you buy an RV warranty? Often, you’ll be able to purchase a warranty from the dealership at the time you buy your RV. Buying from a third-party company, though, is often preferable. This is because a dealership warranty can be much more expensive than third-party policies. Plus, coverage through a dealership might be more limited in scope and restrict you to a particular repair facility or service center. With a third-party RV warranty, you’ll still need that critical nonpublic personal information to purchase a policy but you’re able to shop around, compare coverage, and get quotes for pricing. That way, you can find the absolute best deal for your specific needs. Make sure to review the company policy to see their service areas and where you can go for repairs. Many companies allow you to take your RV to any repair facility across the US and Canada, but some companies are more restrictive about the service centers you use.

That being said, it’s often advisable for an RV owner to have both an RV insurance policy as well as an RV warranty. This provides you the greatest amount of coverage. Since an RV is such a large investment, keeping yourself protected both on and off the road is key.
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Driving Through Montana

Montana is a fascinating state. As the fourth-biggest state land-wise in the country, it’s got a lot of room for people, but not a lot of people that live there full time. In fact, it ranks 48th in population density. People seem to be more likely to travel there on vacation than to live there, perhaps because of how remote it feels. The biggest city in the state is Billings, with a population of about 110,000 residents. In some major metro areas across the country, there are mere suburbs with bigger populations than that. But Montana more than makes up for its modest population with its astonishing natural beauty. You-will-find-while-driving-through-Montana-a-fascinating-state

Mountainous Montana

The name Montana translates to “mountain” in Spanish, and unlike some state names, the etymology behind this one makes a lot of sense. When you arrive in Montana, you’ll feel and see the reason behind its name. The tallest mountain in the state, Granite Peak, has an elevation of nearly 13,000 feet. You could spend an entire summer in Montana and not run out of mountains worth viewing. That’s one reason why Montana is best visited by car. There’s airport service in cities like Billings and Missoula, but you might be better off just taking your car and hitting the road. If you’re coming from the East Coast, fly into a mid-sized city like Spokane, Washington, and then rent a car and head east on Interstate 90. You’ll be in the college town of Missoula in about three hours’ time, which is a great place to start your journey into Big Sky Country.

Plenty of us like to “get away,” but we also like to get away to places that still have at least some level of cell phone service. Montana’s cell phone service can be tricky because of the rural areas. In fact, you could argue that the whole state is one big rural area, but there are definitely some places that are more populated than others, and it’s those places where you’re more likely to have better mobile phone service.

Since we depend on our phones to help us navigate these days, make sure you get any issues with your phone fixed before you leave town and try to navigate your way to a mountain. Look for a cell phone store in Montana to have professionals check out your device and ensure that it’s best equipped to handle whatever adventure you choose. The employees there will take a look at your phone and once the necessary fixes have been made, send you on your way to a fabulous destination like Glacier National Park or Yellowstone National Park.

Seasons of Montana

Visitors from other parts of the country might be surprised by how much the seasons change in The Treasure State. The state is home to some of the most beautiful summers you’ll see anywhere in the world, with clear blue skies, abundant sunshine, and weather that’s seasonably warm without being oppressive. It’s one of many reasons why celebrities flee Hollywood in the summer and head to the mountains. However, winter is another story. Only people who are really comfortable with winter extremes should try driving through Montana during the cold season. There’s one joke that describes the state’s weather as “nine months of winter and three months of poor skiing.” It doesn’t matter how good a winter driver you are if the area you’re in is experiencing whiteout conditions. There’s a certain point when it’s just not a good idea for anyone to be out in that sort of weather unless they work in emergency services or something similar.

So when you’re looking at your calendar and trying to plan a trip through Montana, consider what you’re most interested in doing. Would you like to hike, ski, or simply drive around observing the natural beauty? Whatever you choose, you’ll remember your trip to Montana as a journey to one of the most unique states in the country.

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