Camper Trailer Insurance Gilbert, AZWith summer around the corner, avid campers are ready to get out and enjoy what nature has to offer. If you own a camper or trailer, it’s time to complete a quick tune up to ensure your vehicle is ready for summer use. While some people may pay to service their camper every year, it’s definitely doable to do it yourself too. Here are six areas to check when it comes to prepping your camper for summer use.

  • Service your axle and hubs – One of the most common things you see with camper trailers is someone on the side of the road missing their entire wheel! Grease in the hubs can dry out and if your bearings fail, the entire wheel can come off! This is a dangerous and scary situation. This can be avoided by having your bearings repacked by your local tire shop.
  • Inspect tires – Most camper trailers sit most of the year unused. Because they sit, the tires develop flat spots and cracks that can be dangerous. Inspect your camper tires for cracks as well as any flat spots. Flat spots can be avoided by using special tire savers. They’re widely available for under $100.
  • Check for mold – If your camper is stored outside or if you put it away when it was wet, you may have some mold to deal with. Fortunately, getting rid of mold in campers is easy if it is just on the surface. More extensive mold issues may require a professional. If you have some surface mold, use a water and bleach solution to spray on and kill the mold. Be careful to not spray surfaces that may be discolored such as upholstery. Check along the bottom of your walls, behind curtains, under the sink or inside cabinets too for dampness. If you find it, leave a fan running over night in the camper while it is open to get circulation through the camper and dry it out.
  • Inspect & test your lights – Before you hit the road, always check your lights for functionality. This should be done every time, not just at the beginning of the season.
  • Check propane for leaks- Your propane system can become damaged by rodents or simply by your lines drying out or becoming bent. Your best detection for a propane leak is your nose and ears. Also, if you suspect a leak, use a soapy water solution to check your lines if you see any bubbles form from damage or suspected leak. All campers should be equipped with a propane detector for safety. If you suspect a leak, contact your local dealer to fix the issue or unplug your propane until you have time to get it fixed.
  • Flush your water system- If you’ve winterized your camper, be sure to flush your potable water system well. The antifreeze in your water lines should be the non-toxic variety using propylene glycol. Regardless, flush the system well and dispose of the antifreeze in a manner consistent with federal and state regulations – not in a drain or stream.

If you are looking for a policy review on your camper, be sure to reach out to Insurance Brokers of Arizona®. A RV policy review allows us to ensure you are getting the best coverage at the best price. We also can add additional coverage if you need it. Contact us today.

Why you should keep your insurance year round for your RV, boat or motorcycle in Gilbert, AZIt’s now time to enjoy some amazing fall camping excursions, calm boating on the lake or a motorcycle road trip. Each year we’re asked by many of our customers about the possibility to cancel your insurance policies on your summer toys like motorcycles, RVs, boats and ATVs. While you may not be using these alternative vehicles during the fall and winter months, your vehicles may be damaged and insurance claim would need to be opened. If you cancelled your insurance policy, you may be forced to pay for repairs or replacements out-of-pocket. During the cooler months while your toys are parked events can occur that could get expensive without a valid insurance policy.

Types of claims that could occur during the off-season:

Comprehensive insurance claims: Even though your vehicles are secured, theft or vandalism can still occur at any time. Having to pay out-of-pocket to repaint, repair or replace your toy could put a serious strain on your finances. Catastrophic events like floods or fires can occur during the off-season. If your comprehensive insurance policy is not in effect, you may be responsible to pay to replace your toys without assistance from your insurance carrier.

Liability insurance claims: Accidents can happen at any time, even if your toy is secure. During a party at your home someone thinks it would be great to take a picture on your Harley. They hop on and fall over damaging both your bike and themselves. Even if you did not give them permission to do so, you may be legally responsible for their injuries. Without a liability insurance policy in effect, you may be responsible to pay for the injured party’s medical bills and recovery costs.

Additional claims scenarios:

  1. A blustery storm knocks over a tree and it falls on your parked camper. (Comprehensive claim)
  2. A hail storm damages your vehicle (Comprehensive claim)
  3. Your garage catches on fire and burns your motorcycle, boat, or ATV inside (Not home insurance, Comprehensive claim for the vehicle)
  4. Your RV or Boat is parked in an off-season boat/rv storage facility and is damaged when an unknown party backs their vehicle into it. They don’t leave their information.
  5. A thief vandalizes your vehicle looking for valuable items

These are just a few of the many claims that can occur in the off-season. Some carriers understand that these vehicles are not used year-round and the premiums reflect the high and the low season.

Keeping your motorcycle insurance, RV insurance, ATV insurance or boat insurance in effect during the off-season may not only save your from a costly out-of-pocket repairs or medical payments, keeping a year-round policy may also save you money on your policy premium. Ask your insurance agent today about the benefits of keeping a comprehensive and liability insurance policy on your toys all year!

So, if you’re looking for insurance in Gilbert, give us a call.  Founded in 2005, Insurance Brokers of Arizona® is a leader in quality protection for individuals, families and businesses throughout the Southwest. Insurance Brokers of Arizona® is currently licensed in Arizona and California. Providing world class customer service with our extremely experienced and knowledgeable team, paired with our ability to understand our customer’s coverage needs, drives the success of our agency.

By offering protection for your AutoHomeBusiness and Health Insurance, we make sure that you’re covered today, as well as in the future, so that you can focus on what is important to you and your family. At Insurance Brokers of Arizona® our #1 job is to assist you in identifying your needs and problems, while putting together a customized plan that’s simple and easy to understand.