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If you're a full-time RVer and live in your recreational vehicle, you need coverage similar to Homeowners.
 

Whatever vehicle you drive, under-inflated tires are unsafe and costly.
 

Homeowners Insurance

Designed to protect your residence and also your piece of mind.
 

Insurance Fraud


What is insurance fraud?
 
Any act committed with the intent of fraudulently receiving payment from an insurance company is considered insurance fraud. Misrepresentation of facts when applying for insurance is also considered insurance fraud.
 
Insurance fraud occurs with every type of insurance - including auto insurance, recreational vehicle insurance, homeowners insurance, and renters insurance. And it's more than just reporting something that did not occur - it is exaggerating the consequences of what did, or even going so far as to stage an incident in order to collect payment illegally.

 
Auto insurance and RV insurance fraud
 
In the case of auto and RV insurance fraud, staging an accident, an injury or exaggerating the financial consequences are all examples of the crime of insurance fraud. Misrepresentation of facts when applying for auto and RV insurance is also considered insurance fraud.

 
Home insurance fraud
 
In the case of home insurance, fraud occurs when a burglary is staged, or if loss or damage to covered items is reported and that loss never occurred. It is an example of insurance fraud that occurs with homeowners insurance, renters insurance and condo insurance.

 
Hard insurance fraud and soft insurance fraud
 
The insurance industry has defined hard insurance fraud as those activities that involve planned or staged incidents of theft, accident, or injury in order to collect payment. Soft insurance fraud is considered exaggeration of otherwise legitimate claims for purposes of collecting a larger payment than otherwise due. It also includes misrepresenting information when obtaining your insurance policy in order to benefit from a lower premium.

 
How does insurance fraud cost you money?
 
Filing fraudulent claims is a crime. And it costs you money. How?
 
The Insurance Information Institute estimates that insurance fraud accounts for 10%, or about $30 billion, of losses in the property and casualty insurance industries in the United States.1
 
In order to cover payout of these fraudulent claims, insurance premiums are increased. That hurts all of us.

 
The consequences of insurance fraud
 
Those who commit insurance fraud are guilty of a crime. They are subject to both state and federal prosecution, depending upon the circumstances.

 
How to report insurance fraud
 
For more on reporting insurance fraud, contact the National Insurance Crime Bureau (www.nicb.org) or your local authorities.

 
 
1 Insurance Information Institute, www.iii.org. July 2013