RV and Motorsport Insurance in Omaha and Ft Calhoun NE
For some, nothing says summer like loading up the RV, camper, travel trailer or motor home for a cross-country road trip or taking some four-wheelers for a sunset ride through the fields. At New Frontier Insurance Agency, we want to take the stress of finding insurance off you so that you can focus on the things that relax and excite you. That’s why our seasoned representatives are ready to work with you to find a high-quality policy package that covers all your vehicles at an affordable price.
Like automobile insurance, most states, including Nebraska, require you to carry liability insurance for your RV or other travel vehicle. However, because they occupy a middle ground between automobiles and homes, policy for these vehicles can include a variety of other coverage.
Total Loss Replacement
Aside from the danger of getting in a serious accident, totaling your RV on vacation can mean stranding you and ending your trip. However total loss replacement insurance will provide you with a new, comparably equipped RV if yours is totaled within its first four model years. After that you will receive a cash settlement.
This policy covers you for bodily injury and property damage losses that occur at your vacation spot.
Recreational Vehicle Medical Payments Coverage
If you’re in an accident with your RV or similar vehicle, this policy will pay for the resulting medical costs regardless of who was at fault.
When insuring motorsport vehicles, which can be anything from snowmobiles to boats to four wheelers, generally you’d consider a lot of the same coverage you would get for a car—liability insurance, medical coverage, comprehensive and collision coverage—albeit under different names and varying degrees of coverage.
For example, if you own an ATV, golf cart or snowmobile you might specifically consider property damage liability. You might also consider special insurance to cover parts of those vehicles that are expensive and if broken, render the vehicle inoperable. Likewise for a boat, insurance to cover medical costs for injuries that occur on the water could be a top priority.
In addition, though the basic types of insurance are similar to options available for your car, its best to educate yourself on how coverage for each vehicle differs. For detailed information, call our representatives who can help start your journey toward finding the best policy package for all your vehicles.