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Contact Us

George J. Smith
& Son Insurance

247 Broad Street
Milford, CT 06460

Phone: 203-878-4641
Fax: 203-876-9886

Hours of Operation:
Mon - Fri 8:30AM to 5:00PM
Saturday - By Appointment
Sunday - Closed

Map and Directions
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Motor Home and RV Insurance

A common practice for RV owners is to insure their RV under their current auto policy. But too often the owner does not take the time to read what and how much is covered under their auto policy. In many instances, RVís covered under auto policies are not adequately insured.

One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but, coverage on personal property is limited when the property is kept somewhere other than the ďresidence premises.Ē Often the limit in a standard policy is very low and the usual policy deduction would apply.

To insure proper and adequate coverage, a RV owner should add a separate RV coverage to their current auto policy or secure a policy specifically for RV's

If the RV ownerís insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and itís possessions are not covered after a loss occurs.

Tips When You Hit The Road

Before your trip, make sure you get a complete travel check-up for your RV including inspection of all belts and hoses, headlights, tires, and turn signals. Also donít forget to make sure the towing hitch, fire extinguisher and smoke alarms are in working order.

Other good before trip tips are to make sure your cooking vent hood is clean to help avoid fires and to make sure you leave your trip plans and phone numbers with a relative or friend.

Finally, it is important to go over with everyone on the trip basic emergency procedures.

Remind everyone that it is safer to be in the RV during lightning. If there is a tornado warning you will want to find a tornado shelter or the next best thing which would be parking under a bridge or similar structure. Also, donít ever drive through any deep water as the depth can be deceiving.

 



Request A Quote

Motor Home/RV Insurance Quote


Tools & Resources

What to do in case of an acccident. Print this form and place in glove box.

Personal Insurance FAQs

State Department of Motor Vehicles

Kelly Blue Book

N.A.D.A. Vehicle Value Guides

 
 
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Note: Per our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.