If you are searching for “fifth-wheel insurance” this post should help you in your decision. You might be wondering why, and if you would need fifth-wheel camper insurance, the cost of insuring your camper and if you can save money by doing so.
Fifth-wheels are designed to be towed by a truck or medium duty tow vehicle or heavy duty tow vehicle that has a hitch installed in its bed. Fifth- wheels are generally the most luxurious of the towable recreational vehicles and range in length from around 28 to 40 feet.
Fifth-Wheel Insurance Has You Covered:
This is included with fifth-wheel insurance policies and is not automatically included in your average auto policy. This provides protection from just about any sudden, and accidental loss, including; collisions, accidental fires, smoke damage, flooding, landslides, hail damage, windstorms, animal damage, vandalism and graffiti, low hanging branches or overhangs, theft and lightning storms. The fifth-wheel insurance policy also includes coverage for attached accessories, including awnings, satellite dishes, TV antennas and more.
Some insurance coverage’s are optional and are subject to company acceptance or may not be offered in all states.
Total Loss Replacement Coverage.
This option can actually save you thousands of dollars when compared to some common auto policies, which pays only the face value of your fifth-wheel at the time it’s destroyed. The most important fifth-wheel insurance coverage protects your fifth-wheel from the effects of depreciation. If your new fifth-wheel is destroyed within its first 5 years, and you are the original owner, some insurance companies will pay to replace it with a similar model of equal or lesser value.
Emergency Expense Coverage.
Will pay for accommodations or travel back to your home if your fifth-wheel is destroyed or damaged by a covered loss more than 50 miles from your home.
Replacement Cost Coverage.
More than your typical automobile or home owner’s policy, this covers your personal belongings that are stolen or damaged.
Campsite/ Vacation Liability Coverage.
Provides liability coverage when you are parked and using your fifth-wheel as a residence, periodically or even weeks or months at a time.
This is a coverage that is not that different from a home owner’s policy. This option also covers you when you are using your fifth-wheel as a residence, typically for longer periods of time.
Insuring Your Tow Truck.
This customized option offers insurance for your medium duty tow truck that you use to tow your fifth-wheel, provided your tow truck’s GVWR (gross vehicle weight rating) exceeds 10,000 pounds. What this means that the maximum acceptable total weight of your town truck when loaded must exceed 10,000 pounds.
Specialty Program For Stationary Fifth-Wheels
This gives you comprehensive coverage if you use your fifth-wheel as a seasonal or as a permanent residence. This includes coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are responsible for.
Free Fifth-Wheel Insurance Quotes Arizona
Overland fifth-wheel insurance quotes are available 24 hours a day 7 days a week, by phone locally at 480-994-9584 or toll free at 1-800-677-4027. With so many types of coverage’s and rates to choose from, we provide you with the information you need to help choose which coverage is best for your fifth-wheel.
Get your free fifth-wheel insurance quote online now!