What is an insurance score?

An insurance score is a number or rating statistically derived from a mathematical formula, computer application, model or other process that is based on credit information and used to help predict the future insurance loss exposure of a consumer. A credit based insurance score is used to help insurance companies attempt to identify which customers are more or less likely to file claims. RVOS is aware that every individual has their own financial circumstances. So, even if you don’t have the best credit rating, you are still eligible to receive discounts for being claims free.

Can I cover my personal property if I am a renter?

While you think there may not be much value to your personal property the cost of replacing your furniture and clothing can add up. We can cover your personal property in a house or an apartment. Coverage applies on premises and there is a limited amount of coverage that will apply elsewhere, anywhere in the world. To better understand the coverage and personalize the policy to meet your needs, check with your agent.

How much personal property insurance do I need?

Use our Home Inventory Checklist to itemize your belongings, note when you bought them and how much you paid. Review the list with your agent to help you determine the coverage you need.

We will work hard to give you the best coverage combinations to fit your lifestyle and budget.

When should I think about adding coverage?

You should contact your agent about reviewing your coverage whenever you change something significant about your home or its content, such as:

  • When you make an addition to your home
  • When you make any major purchase: jewelry, electronics, farm equipment, a boat or other recreational vehicles,to help guard against inflation

How can I be sure I have enough coverage for my valuables?

RVOS provides limited coverage for your valuables (antiques, jewelry, furs, paintings, business personal property, collectibles, etc.). You may need to increase the special limits to be covered adequately. Your agent can help you determine if additional coverage is needed.

How do I estimate the value of my home?

Estimating the cost of your home can be difficult. Insuring for Actual Cash Value or Replacement Cost Coverage should be considered.  Your agent will be able to help you determine the correct amount of coverage you need.

These factors help determine what it will likely cost to rebuild your home:

Find a local insurance professional near you