RVs and Wintertime: How Insurance Works for You

Most think of summertime activities at the lake when they think of RVing. Sometimes the lure of the open road strikes in the fall and wintertime. The agents at Epic Insurance will ensure that you have the right insurance coverage for your RV and your lifestyle. Serving the Lees Summit, MO area, they are knowledgeable about insurance products for different classes of RVs and owners’ lifestyles. 

There are several factors that go into selecting the best RV insurance. Basic RV insurance will include liability coverage. Personal injury liability, collision and uninsured/uninsured motorist coverage is also available and familiar to most consumers. A comprehensive plan will cover damage to the vehicle and can include coverage for theft and vandalism. Talk with your agent and make sure that you understand fully what you are covered for. Having problems on the road is frustrating but it can be especially challenging in the winter months.

RV insurance also varies based on the class of vehicle. Class A motor homes are the largest with full size dining, bath and bedroom areas. Camper vans fall into the Class B category. The more economical, mid-size motor homes are Class C. Due the varying size and weights of RVs in each category, different insurance products are used. Also, policies are available to cover your personal items, vacation liability and permanently attached items such as satellite dishes or side canopies. 

Hitting the road during the winter can create fun family times. Touring areas with changing foliage or exploring the snow covered countryside can bring new experiences. The team at Epic Insurance wants you to be able to focus on family in the Lees Summit, MO area and beyond. Call them today and get the coverage you need throughout the year.

Things Your Home Insurance Does Not Cover

Home insurance is absolutely essential for every home, and it covers many issues that can occur in a home. But there are also some issues that home insurance does not cover, and at Epic Insurance serving Lees Summit, MO, we want you to know what they are. Here are some problems that your home insurance policy probably does not cover.

Floods

Floods can happen quickly and be absolutely devastating to a home and its contents. But many home insurance policies do not cover floods. You would have to get flood insurance. Check to see whether your local conditions mean it makes sense to get flood insurance.

Mold

Mold can result from floods or any type of water damage. There are numerous species of mold, and they can seriously destroy a home and all of your belongings. But a typical home insurance policy does not cover mold damage.

Termites

A standard home insurance policy in many cases does not cover issues like termite infestation or problems caused by various rodents and insects. Take precautions so you will not have an issue like this that could cost you large amounts of money.

Sewer Issues

If you have a sewer system in your home, you need to be well aware that your typical home insurance policy probably does not cover issues resulting from the sewer backing up. Take the necessary precautions to avoid unpleasant problems that could result from a sewer backup.

Check on your policy to see what exactly it covers. Review that information, and make any changes to your insurance coverage based on what you find out. For example, consider purchasing flood insurance if you do not already have it. If you need more information about home insurance, we’re happy to help. Contact Epic Insurance serving Lees Summit, MO today.