H&M INSURANCE AGENCY

During the first five years you own a brand new RV, comprehensive replacement insurance provides the best coverage. With this policy, if your RV is totaled, you will be able to replace it with a new one.

Do you routinely pay your auto insurance renewal bill in advance of the due date? Good for you. As an added plus, it’s possible you can save on your insurance costs by receiving an early-payer discount.

It’s important to remember that any fuel- or battery-powered vehicle has the potential to damage property or cause bodily harm. Having the right level of recreational vehicle insurance coverage is the best way to minimize your financial risks.

When you have quite a few recreational toys in your garage or storage unit, you may wonder what would happen if someone broke in. Let’s talk about the recreational vehicle coverage options that could help in the event of theft.

Just because a car is totaled doesn't necessarily mean that the loan or lease is paid off. When your car is totaled, the insurance company will cover the actual value of the car, which doesn't always include the total amount on the loan or car lease.

The cost of having 1 in 7 drivers in the United States without insurance was $10.8 billion in 2007. That was the total cost of all accidents involving uninsured motorists that had to be paid instead by drivers with uninsured motorist coverage.

We recognize that keeping all your insurance policies with one company can be convenient when the price is right. If your current insurer doesn’t offer the best rates on insuring your recreational vehicles, we may be able to provide a deal that beats the multi-policy discount.

Did you know recreational vehicle insurance covers roadside assistance? It can provide you with towing, and your insurance pays for the labor. If you have battery failure, insufficient supply of fuel, a flat tire, or get locked out of your vehicle, roadside assistance is great.

We recommend doing a financial inventory to determine what you would be able to comfortably pay "out-of-pocket" should your RV become damaged and need repairs. This will help when purchasing insurance because usually higher deductibles means lower premiums.

The more safety features your vehicle has, the lower insurance rates tend to be. If you are buying a new car and everything else is equal, upgrade to the one with the better safety record and protective devices. Any increased costs may be offset by the lower insurance premiums.

Practicing maneuvering your RV in an empty parking lot will help you gain confidence when it comes time to hit the road. If you are planning on towing a trailer, you will benefit from practicing with it attached to the RV.

While some people may like to shop for new rates every time their policy is set to expire, there’s something to be said for loyalty. In fact, keeping the policies for all your vehicles, your house and your renter’s insurance with us may qualify you for savings.

If your RV is a fifth wheel and you use a medium-duty truck to tow your RV, pay attention to your policy. Some policies cover medium-duty trucks, while others don't cover trucks that weigh more than one ton. Others may have provisions on the truck. We can work with you on your truck coverage.