This article was written by Advicent Solutions, an entity unrelated to Capitol Private Wealth Group LLC. The information contained in this article is not intended to be tax, investment, or legal advice, and it may not be relied on for the purpose of avoiding any tax penalties. Capitol Private Wealth Group LLC does not provide tax or legal advice. You are encouraged to consult with your tax advisor or attorney regarding specific tax issues. © 2012 - 2013 Advicent Solutions. All rights reserved.

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Provided by: Capitol Private Wealth Group LLC

This article was written by Advicent Solutions, an entity unrelated to Capitol Private Wealth Group LLC. The information contained in this article is not intended to be tax, investment, or legal advice, and it may not be relied on for the purpose of avoiding any tax penalties. Capitol Private Wealth Group LLC does not provide tax or legal advice. You are encouraged to consult with your tax advisor or attorney regarding specific tax issues. © 2012 - 2013 Advicent Solutions. All rights reserved.

Travel Trailer InsuranceTravel trailer insurance has similar inclusions as automobile insurance coverage, but it is more comprehensive and specialized for trailer owners.

The Benefits of a Travel Trailer PolicySince your trailer is more than just a vehicle, you need insurance that covers more than a typical automobile policy. Without a specific insurance policy, none of the following situations are covered in the event of a loss.

• You store things in your travel trailer that you would not keep in your car, including jewelry, a computer, television, outdoor camping gear or a camcorder.

• When parking your trailer at a campsite, you are liable for other people’s safety around your trailer.

• If you have an accident while traveling, you will need a place to stay while the trailer is being repaired.

Types of Coverage Available• Comprehensive/collision coverage – Protects

your RV from damages such as fire, landslide, windstorm, vandalism and collision with another vehicle or object.

• Liability-only travel trailer policy – Protects against accidental damage to other people’s property or personal injury to individuals not listed on your policy.

Money Saving Discounts Available for Travel Trailer Insurance• Discounts for a good driving record or

multiple policies placed with same insurer

• Increasing your deductible to reduce your out-of-pocket premium

• Option for 12-month policy renewals

• Discounts for mature drivers

Additional EndorsementsConsider also purchasing these endorsements for added protection:

• Towing and roadside assistance

• Emergency expenses – Protection in case of a

breakdown or damage to your travel trailer

• Total loss replacement

• Accessories endorsements – For items attached to your trailer, such as satellite dishes, antennas and awnings

• Full-timer trailer coverage – For those who live in their travel trailer most of the year

• Campsite/Vacation Liability – Coverage while your travel trailer is parked in an RV park

• Low branch collision – Protection against damages from low-hanging branches to your trailer, awnings and air conditioning units

Before you hit the road, consider contacting your insurance advisor to learn more about travel trailer insurance options.

What Kind of Wheels Are You Towing?Travel trailer or RV coverage will provide protection for the following vehicles:

Fifth-wheels

Pop-up campers

Stationary travel trailers

Park model travel trailers

Truck-mounted campers

This article was written by Advicent Solutions, an entity unrelated to Capitol Private Wealth Group LLC. The information contained in this article is not intended to be tax, investment, or legal advice, and it may not be relied on for the purpose of avoiding any tax penalties. Capitol Private Wealth Group LLC does not provide tax or legal advice. You are encouraged to consult with your tax advisor or attorney regarding specific tax issues. © 2012 - 2013 Advicent Solutions. All rights reserved.

* Investment Advisory Services are offered through CapitolPrivate Wealth Group, a registered investment adviser.*