Does motor home insurance cover appliances?

Some choose to forgo motor home insurance in Wixom, MI because they do not believe that having such an indemnity policy is necessary. Your RV, after all, is partially covered by your homeowner’s assurance plan if it remains parked on your property throughout the year. Homeowner’s insurance policies do not, however, pay for all damages related to motor homes.

You cannot file a claim if your RV’s built-in stove or refrigerator is destroyed if you only depend on homeowner’s assurance to pay for incidents. A motor home indemnity plan, however, does have the capacity to cover appliances inside of your RV.

The agents at America’s Choice Insurance Partners can help you find the motor home insurance policy that is right for your lifestyle. Read on to learn more about RV assurance coverage.

What does RV insurance cover?

Motor home insurance can cover everything from appliances inside of the vehicle to accidents on the road. The best RV assurance plans come with special coverage for your stove and auto assurance perks. Those policies in the top-tier also cover electrical problems that may lead to fires.

How much does a good motor home indemnity plan cost?

The price of motor home insurance heavily depends on how much coverage you want. You may find yourself paying the minimum amount for coverage if you do not drive your RV throughout the year. The monthly premium amount may rise slightly if your RV is your semi-permanent home and a source of transportation in Wixom, MI.

Call America’s Choice Insurance Partners

We have been in the business of indemnity policies for many years. Our agents will work with you to find the plan that works best for your situation. Call America’s Choice Insurance Partners today to get started with a quote!

How to Make a Home Insurance Claim

If a grilling accident in your house leaves a guest injured, a storm damages your home, or a burglar breaks in, the biggest worry is always about whether or not you’ll recover from the loss. Each time an unfortunate event occurs in your Florida or Michigan home, you may be forced to file a claim with an insurance company. But, a claim against a homeowner’s policy comes with various regulations and procedures that you and the insurer must follow. Even though it’s advisable to contact a reliable agency like America’s Choice Insurance Partners in Wixom, MI, it’s still essential for you to understand the claim procedure. Here are the steps to get you started.

Contact the police

If your house has been burglarized or you are a victim of theft, report the case to the police. Be sure to get a police report, including the names of the officers you speak with since you will need to offer these details to your insurer.

Report the incident to your insurance provider

Your insurance provider should be able to inform you if the incident is covered, the duration of filing a claim, and if the request exceeds your deductible. They will let you know the period it’ll take to process the claim and if you’ll need to get estimations of the structural damage.

Fill out claim forms promptly

Once you establish that you can make a claim, your insurer will send the necessary claim forms within a specified time as required by law. Fill them out promptly to avoid delays.

Create a list of damaged or lost items

Since you need to substantiate your loss, create a list of damaged or destroyed items. Ensure you have a copy for your adjuster. Additionally, supply them with available copies of receipts for the damaged or stolen items.

Making a home insurance claim doesn’t have to be complicated provided you take the time to gather information and ask the right questions. Luckily Michigan and Florida residents can rely on America’s Choice Insurance Partners in Wixom, MI for help. Contact us today for more information.