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705 S 9th St suite 302
Tacoma, WA 98405

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Possible Risks Your Motorhome May Experience

While motorhomes and RVs can be a lot of fun, they can require a bit of upkeep and have certain issues. Problems can lead to extra costs, travel delays, and other situations. Here are a few of the most common owners cope with.

Water Leaks

Should the outdoor elements find their way into the unit via cracks, age, or other damage, they can result in significant issues. Make any repairs as soon as you notice leaks to avoid situations with the interiors, electrical systems, appliances, and destroyed furniture.

Tire Blowouts

Owners tend to go off-road in their RVs, making for a bumpy ride that can wear out tires. Additional pressure and weight may also cause damage. Blowouts on the road can result in accidents or injuries, especially at higher speeds. Check the tires frequently and keep up with maintenance.

Toilet Malfunctions

Toilet problems can be stinky and highly inconvenient for occupants, so staying prepared to handle minor issues on the road is essential. Over time, gaskets, seals, and valves wear down, but routine maintenance can help stave off toilet issues, including water backups.

Losing Battery Life

Just like most power-operated systems, such as home power, car batteries, and other electrical devices, the batteries in your RV can suddenly fail. This may be due to age, leaving on connected systems, or age. Check the battery regularly, and have a spare on hand for long road trips as a backup.

Be Prepared For Motorhome Issues

When well maintained, certain costly RV issues may be covered by your traditional policy or under a supplemental or add-on to your coverage. Be sure to ask an agent today to review your policy before hitting the road. If you need insurance or have questions, contact VIP Insured in Bellevue, WA.

Do I need motorhome insurance if I store my motorhome during the winter?

If you’re like most people, you have limited resources. It makes sense to try to find ways to save money, especially if you enjoy traveling. You don’t want to cut down on something you enjoy, so you may be considering if you can save money on your RV insurance. 

If you live in Bellevue, WA, you may not want to drive your motorhome year-round. Many RV owners choose to travel when the weather is nicer and when it is easier to take off from work and school. VIP Insured can help you explore your options to see if you can save money during your off months.

Legal Requirements for RV Insurance

RV insurance in Washington is basically the same as auto insurance. You are required to carry a minimum amount of liability insurance in case you damage someone’s property or cause bodily injury to others during an accident. You can also get other protections, such as comprehensive and collision coverage and even pet coverage.

Does the Requirement Change When Your Motorhome Is In Storage?

If you are still paying for your RV, you will probably not have a choice in paying for full coverage year-round. Most lenders require you to protect their investment. 

Even if you own your motorhome outright, you may want to reconsider canceling your insurance altogether. At the very least, you can look into special insurance that will protect your RV in case there is a fire, theft, vandalism, or other incident. Instead of canceling your policy, find out if the same company will let you change during the relevant times.

Schedule A Consultation Today

VIP Insured wants you to feel confident that your Bellevue, WA motorhome has the protection it needs. Happily, motorhome insurance in Washington is reasonable. Call today so we can discuss your options.

3 Ways To Prevent Motorhome Theft

Motorhome ownership requires certain safety and security habits just like you practice at home. Our friendly insurance professionals at VIP Insured serving Bellevue, WA and the surrounding areas, are here to help you better understand ways you can prevent motorhome theft. 

3 Ways To Prevent Motorhome Theft 

Change Your Locks Upon Purchase

Just like with a home, you should change your locks when you purchase a motorhome. Remember, someone has a set of keys to the motorhome. There could be several people who have keys to your new motorhome, and you really have no way of knowing who has access. The safest step is to change the locks and have new keys. 

Always Lock Up

Even if you feel pretty safe in the area where your motorhome is parked, it is important to always lock up. Again, this is similar to the safety measures you would take with your home or automobile. 

Security and GPS 

Today, you can install a security system to help keep your motorhome safe. Advertising the fact that your RV is protected by a security system is a great way to deter criminals. Most criminals will simply bypass targets that have their security system advertised. 

You can also have GPS tracking on your motorhome. If the RV is stolen, GPS tracking can help authorities to locate the vehicle quickly. This is one of the best types of modern technology to keep your RV safe. 

Give Us A Call

If you would like to learn more about RV insurance and protection, you can contact us at VIP Insured serving Bellevue, WA and the surrounding areas. We will be happy to answer your questions and help you find the right insurance policy for your needs today. 

What Does Motorhome Insurance Cover?

Motorhomes are an affordable way to enjoy the countryside and explore new areas. The best insurance for you will cover any damages you may have incurred in your journeys, such as breaks, scrapes, and cuts. Comprehensive motorhome insurance covers everything from damage to your car to your pet to your next road trip. 

The majority of motor home insurance is designed to cover your vehicle’s running costs. However, coverage can also be provided for some unforeseen events that may have happened during the car company’s ownership. VIP Insured can aid with inquiries in Bellevue, WA. 

Motorhome Insurance: What It Covers

When determining whether your home is covered by motorhome insurance, look at the owner’s agreement. Motorhome insurance can be a great way to stay out of debt and protect your family against unforeseen costs such as unexpected expenses or an emergency. 

There are a number of benefits that come with owning a motorhome, such as parking for your friends and family, exploring the scenic countryside, or even just relaxing in the sun. If you have questions about how motorhome insurance works, don’t hesitate to contact a car insurance agent or lawyer, as the information they provide can be very helpful. 

Motorhome insurance covers some of the following: 

  • Tripods, Cameras, Flashlights, & Flashlights 
  • Not Included:  Electrical Damage, Fire, Wind, & Water

An excessive amount of maintenance and operations costs can lead to a large number of claims, and hence, insurance companies will want to pay for this as much as possible. 

Give Us A Call

The amount of your motor home insurance coverage will depend on a number of different factors, such as the type of motor home you own, the amount of infrastructure your motor home is built around, and the cost of upgrading your infrastructure to meet the needs of your motor home, and the availability of financing for your motor home. 

Motorhome insurance can be a great way to stay out of debt and protect your family against unforeseen costs. If you are looking for expert insurance advice in the greater Bellevue, WA community, reach out to us at VIP Insured.

Does a Motor Home Need Coverage for Short Trips?

Riding a motor home on short trips is often a fun way to go camping or experience new places near you. But do you need a policy if you rarely take your motor home more than an hour from your home? Absolutely! And we at VIP Insured can help Bellevue, WA owners find coverage that works. 

Why Motor Home Insurance is a Wise Investment 

Whenever you hook up your motor home and take it on a trip, you are putting it and your financial investment in potential peril. That’s because you could crash during even a short trip, experience a breakdown while you ride, or even get injured. These policies can thankfully cover this problem and even help you out while living in the motor home. Just a few coverage options for this vehicle include:

  • Comprehensive collision coverage 
  • Liability payments for crashes 
  • Uninsured motorist help 
  • Medical payments after crashes 
  • Roadside assistance help 
  • Total loss replacement 
  • Vacation liability help 
  • Full-timer’s liability coverage 

This type of coverage is beneficial whether you’re going on a short or long trip. While it is true that your potential for problems does decrease when you go on shorter trips, there’s nothing that says you won’t experience emergencies during your trip that require loss coverage and suitable replacement. You can even get help covering your pet if they are injured while you are staying in your motor home. 

Help is Available 

If you own a motor home that you take on various trips and want to minimize your potential financial loss, it is wise to talk to us at VIP Insured. We’ll help you get the Bellevue, WA insurance policy that you need to cover your vehicle and give you the necessary help for your financial investment needs.


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