It’s essential to invest in the right recreational insurance policy to protect the value of your recreational vehicle. Unfortunately, RV owners often make costly mistakes when they purchase their recreational insurance policy.

At Central Lakes Insurance Brokers, we offer recreational insurance policies to RV owners in the Brainerd and Edina, MN areas. We recommend that consumers avoid the following three mistakes when they purchase recreational insurance. 

Buying a policy based on price alone

Quality is essential when it comes to recreational insurance. The cheapest policy out there is not likely to offer as many features and as much coverage as policies that cost a little more.

Evaluate policies fully and don’t just look at the price. You should also look at aspects of the policy, like the customer service of the provider and the amount of the coverage maximums. 

Rushing and not putting enough thought into choosing a policy

Take your time and do your research. Remember that you might need your recreational insurance down the road to cover damages made to your RV or other recreational vehicles. Choosing the wrong policy could set you back financially.

Shop around and get quotes from different providers. Then, analyze all the features that come along with each policy. You should also research the reputation of providers and look for reviews on insurance companies before purchasing a policy from them. 

Being unaware of discounts you’re eligible for

You should save money where you can. You may qualify for specific discounts on your recreational insurance policy. Discounts for recreational vehicle owners are commonly available to include multiple vehicle discounts, discounts for having anti-theft or safety devices installed, and discounts for having a good driving record. 

If you want to learn more about recreational insurance options in Brainerd or Edina, MN, contact us at Central Lakes Insurance Brokers.