Category: RV Insurance

Choice One Insurance Inc. is an independent agency. We are committed to helping our clients obtain coverage to manage risks. We work with multiple carriers throughout Portland, OR. This enables us to provide flexible coverage options that adapt to our client’s needs. We look forward to helping you obtain coverage.

RV Insurance Guide

Many Portland, OR residents enjoy traveling around in their RVs. Operating a recreational vehicle is a high-risk endeavor. RV insurance covers you while you make plans for your next destination. The policy covers any damage to your vehicle if you are involved in a collision. All of your personal items on the RV are also covered if they are stolen or vandalized. Liability coverage protects you if you accidentally damage someone’s property or injure someone.

Any passengers that you are traveling with are covered if they suffer an injury. Comprehensive coverage protects your RV in multiple ways. If you are planning to go camping, you may have to deal with the elements. Comprehensive coverage protects you if your RV is damaged due to a natural disaster. You are also covered if your RV accidentally makes an impact with a deer or another type of animal.

If you have a travel trailer attached to your RV, you can amend your policy to add cover any damages to it. If your RV breaks down or suffers a dead battery, roadside assistance ensures that you will receive urgent coverage. During lengthy periods when you aren’t using your RV, you can add storage coverage. Storage coverage protects your RV from potential damages while you have it parked and aren’t using it.

Choice One Insurance Inc. Will Help You Protect Your Assets

Visit our website to learn more information about RV insurance.  

Choice One Insurance Inc. serves the Portland, OR community. For over 10 years we have helped our clients find the coverage they need. We are an independent agency. We strive to serve our clients using trust, integrity, and professionalism. We have working relationships with multiple carriers across the Pacific Northwest. We look forward to helping you protect your assets.

How RV Insurance Is Impacted By Traveling Abroad

Many Portland, OR residents own an RV. If you are one of the many people who use an RV for relaxing vacations or as a full-time asset, consider the benefits of RV insurance. RV insurance protects your asset against unique risks. Weather in the Pacific Northwest can be unpredictable at times. RV insurance covers your vehicle if it suffers damage due to inclement weather or an accidental fire. RV insurance also covers you if your vehicle collides with another vehicle. Liability coverage protects you if you are ruled to be at fault for any property damage or bodily injuries. If a guest is injured while visiting your RV, their medical treatment is covered. All of your property inside the RV is covered if it’s vandalized or stolen. You can add extra protection to cover any special amenities added to the interior and exterior of your RV.

If you use your RV to take vacations, there are a few things to consider before heading out of the country. If you plan to travel abroad in your RV, you may have to alter your coverage. Traveling abroad may leave you exposed to unique risks. Contact the U.S. State Department before finalizing your travel plans to make sure that you are fully covered.

Choice One Insurance Inc. Will Help You Find The Right Policy

Visit our website to learn more information about RV insurance.

When you travel with your family in your RV, you want to enjoy the beautiful scenery with peace of mind. One way you can achieve this is by getting the right coverage for your RV. But before getting far, let’s answer a question frequently asked by RV owners: is RV insurance required by the Oregon state?

Just like your vehicle, it’s mandatory to insure your RV. And like many other states, Oregon has minimum liability coverage limits, which you are required to adhere to. These are:

• Bodily injury liability: Covers third-party injury. Pays for medical costs and lawsuit damages if you are at fault in a vehicular accident. The state’s minimum required coverage is $25,000 per person and $50,000 for multiple persons per accident.
• Property liability insurance: Covers third-party loss, such as damage to another person’s car or property. The minimum requirement is $20,000 per accident.

What else should I have?

While the above is what is required by the state, your RV faces other perils beyond liability. That said, when you partner with Choice One Insurance Inc., located in Portland, OR, we will walk you through the following additional RV insurance options:

• Underinsured/ uninsured motorist coverage: This optional coverage kicks in when you get involved in a vehicular accident with a motorist with no or inadequate coverage. It covers property damage or bodily injury caused to you.
• Comprehensive coverage: Protects your RV from risks like fire, theft, vandalism, and other perils stated in your policy.
• Collision coverage: This insurance pays for damages or replacement of your RV following an accident.
• Personal Injury Protection (PIP): Covers medical expenses, loss of income, and funeral expenses regardless of who is at fault. 
• Roadside assistance: Because RVs require distinctive towing and roadside repair support, this coverage may save the day when you are in a tricky situation.
• Full-timer liability insurance: If you reside in your RV all year round, this coverage is a must-have because it gives you the same protection as homeowners insurance.

We know it isn’t easy getting a dependable agent to take care of your RV insurance needs. But for Oregon RV owners, you can be at ease. Let Choice One Insurance Inc., situated in Portland, OR, be your one-stop-shop for all your RV insurance solutions.