Save on Insurance with These RV Maintenance Tips

Embarking on adventures in your recreational vehicle brings the thrill of exploring the open road and creating memories in the great outdoors. However, amidst the excitement, it’s crucial to ensure that your vehicle remains in top condition not just for safety, but also to maintain low insurance premiums. 

Regular maintenance of your camper, motorhome, fifth wheel, or travel trailer can prevent unexpected malfunctions and accidents, which are significant factors in determining your insurance costs. In this article, we will guide you through essential RV maintenance tips that not only preserve your vehicle’s longevity but also help keep your insurance premiums at bay.

At Lake Region Insurance Agency, we understand that your RV is more than just a vehicle; it’s your gateway to adventure and family memories. That’s why we offer comprehensive recreational vehicle insurance policies tailored to protect your investment against the unexpected. 

With over 80 years of experience serving the community, we are committed to providing you with insurance solutions that offer peace of mind on and off the road. 

Our team of dedicated professionals is ready to assist you in finding the perfect coverage that fits your needs, ensuring that you are fully protected no matter where your travels take you. Contact us today for a free quote and discover why we are the trusted choice for Minnesota RV owners.

Understanding the Link Between RV Maintenance and Insurance Premiums

How Insurance Providers Assess RV Risks

When it comes to insuring recreational vehicles (RVs), insurance providers take a meticulous approach to evaluate risks associated with the condition and maintenance of the RV. Understanding how insurers assess these risks can help you better manage and possibly reduce your insurance premiums. Here are the key factors that insurance companies consider:

• Age and Condition of the RV: Older RVs are generally seen as higher risks due to the potential for more frequent and costly repairs. However, well-maintained older models can defy this assumption. Insurance companies often require detailed inspections and maintenance records for older vehicles to assess their actual condition.
• Maintenance History: Regular maintenance is crucial for keeping an RV in top shape and insurers take note of this. A well-documented history of timely maintenance checks can lead to lower premiums. This includes routine engine checks, brake inspections, and ensuring that electrical systems and appliances are in good working order.
• Usage Patterns: How often and for what purpose you use your RV influences the risk assessment. Full-time RVers might face higher premiums due to increased wear and tear and constant exposure to the elements. Conversely, occasional use can imply lower risk, especially if the RV is properly stored and maintained when not on the road.
• Storage and Security Measures: Where and how you store your RV when it’s not in use also impacts insurance assessments. RVs stored in secure, covered locations are at lower risk for theft and weather-related damage, which can positively influence insurance premiums.
• Safety Features and Upgrades: Modern RVs equipped with advanced safety features such as rearview cameras, GPS tracking, and upgraded fire suppression systems are considered lower risks. Additionally, any upgrades that enhance safety and functionality, like reinforced tires or enhanced braking systems, can also favorably affect your insurance rates.
• Claims History: A history of claims can indicate higher risk to an insurance provider. Frequent claims can lead to higher premiums, whereas a clean claims record can contribute to lower rates.

Benefits of Regular Maintenance on Insurance Costs

Regular maintenance of your recreational vehicle (RV) is not only crucial for safety and functionality but also plays a significant role in managing your insurance costs effectively. The relationship between diligent RV upkeep and insurance premiums is straightforward yet impactful: well-maintained RVs are less likely to experience breakdowns or accidents, leading to fewer claims and ultimately, lower insurance premiums.

• Reduced Risk of Accidents: A well-maintained RV with properly functioning brakes, lights, and tires is less likely to be involved in an accident. Insurance companies often recognize the decreased risk associated with such vehicles and may offer lower premiums as a result.
• Prevention of Major Repairs: Regular maintenance helps catch small issues before they become major problems. For example, fixing a minor leak or replacing a worn belt can prevent more serious engine or water damage down the line. Insurance providers appreciate this proactive approach, as it minimizes the likelihood of costly claims for extensive repairs.
• Longevity and Vehicle Value: Consistent maintenance extends the lifespan of your RV and helps maintain its value. Insurance costs are partly based on the value of the vehicle, and a well-kept, higher-value RV might qualify for more favorable terms because it’s seen as a better-kept asset.
• Evidence of Care: In the event of a claim, having records of regular maintenance can be beneficial. It shows the insurance company that you have taken steps to mitigate risks, which can influence claim outcomes favorably. This responsible ownership behavior can be a factor in determining your insurance rates.
• Compliance with Policy Terms: Many RV insurance policies stipulate that the vehicle must be kept in good working order as part of the coverage agreement. Failure to comply can lead to denied claims or higher premiums. Regular maintenance ensures that you meet these terms, keeping your insurance relationship in good standing.

By understanding these benefits, RV owners can take proactive steps to not only ensure their vehicle remains roadworthy and reliable but also to enjoy potential savings on their insurance premiums. This preventive approach is a win-win, saving time, money, and stress in the long run.

Essential RV Maintenance Tips to Lower Insurance Premiums

Regular Engine and Mechanical System Checks

Maintaining your RV’s engine and mechanical systems is not just about ensuring smooth operation on the road; it’s also a crucial step in managing your insurance costs. Regular checks, including inspecting and changing filters such as air, fuel, coolant, and hydraulic filters, can prevent major breakdowns and accidents, which in turn can help keep your insurance premiums low. Here’s how to conduct these essential checks:

1. Engine Health:

• Check Oil Levels and Quality: Regularly check the engine oil; it should be at the correct level and not too dark. Perform oil change according to the manufacturer’s recommendations, typically every 3,000 to 5,000 miles.
• Inspect Belts and Hoses: Look for cracks, wear, and brittleness on belts and hoses. Replace any that show signs of deterioration to prevent engine overheating and malfunctions.
• Monitor Coolant Levels: Ensure that the coolant is at the appropriate level and that the radiator is in good condition. This prevents the engine from overheating, especially during long trips in hot weather.
• Examine the Air Filter: A clean air filter ensures that the engine is not forced to work harder than necessary, which can lead to increased fuel consumption and reduced efficiency.

2. Brake System:

• Check Brake Pads and Rotors: Inspect the thickness of the brake pads and the condition of the rotors. Worn pads or damaged rotors can lead to ineffective braking and increased risk of accidents.
• Test Brake Fluid: Ensure the brake fluid is at the correct level and replace it if it appears dirty or contaminated. This helps maintain the effectiveness and responsiveness of the brake system.
• Listen for Noises: Pay attention to any unusual sounds when braking, such as grinding or squealing. These noises could indicate that the brakes need immediate attention.

3. Transmission System:

• Fluid Check: Regularly check the transmission fluid level and its condition. The fluid should be clear and not have a burnt smell. Change the fluid as recommended by your RV’s manufacturer.
• Test for Smooth Shifting: While driving, note any issues with the transmission shifting gears. Difficulty in shifting or unusual noises can indicate a problem that needs professional attention.

4. Steering and Suspension:

• Inspect Shock Absorbers: Check for leaks or damage in the shock absorbers. Faulty shocks can affect the RV’s stability and handling.
• Check Steering Fluid: Make sure that the steering fluid is at the right level and that the system isn’t leaking.
• Evaluate Suspension Components: Regularly inspect the suspension system for wear or damage, especially before long trips. This includes checking springs, tie rods, and ball joints.

By implementing a maintenance schedule for inspecting these key components, you not only ensure your RV remains in top condition but also mitigate potential risks that could lead to costly insurance claims.

Preventive Measures for Water Damage

Water damage in an RV can be a nightmare, leading to costly repairs and significant hikes in insurance premiums. To ensure your recreational vehicle remains in prime condition and to mitigate risks that could lead to higher costs, focusing on preventive measures is key. Here are some essential tips to help you manage and maintain your RV’s water integrity and save hundreds or thousands of dollars in potential repairs and insurance costs:

• Regularly Check and Replace Seals: Over time, the seals around your RV’s windows, doors, and roof can crack and deteriorate due to exposure to the elements. Regular inspections every three to six months can help catch and address these issues early. Make it a routine to clean and replace worn seals to prevent water from seeping into your RV.
• Inspect and Maintain Your Roof: The roof of your RV is particularly susceptible to water damage. Check for any signs of wear, such as cracks or blisters in the roofing material, especially after a long trip or severe weather conditions. Applying a roof sealant can act as a preventive measure against water intrusion.
• Keep Plumbing Systems in Check: Plumbing issues can quickly lead to water damage inside your RV. Regularly inspect all pipes, faucets, and connections for water leaks or damage. During winter, ensure your plumbing system is properly winterized to prevent frozen pipes and subsequent bursts.
• Monitor and Maintain Water Systems: The water heater and any other water-related systems should be checked for leaks and corrosion, which can lead to significant water damage if left unattended. Make sure these systems are serviced according to the manufacturer’s recommendations to ensure they are functioning correctly.
• Utilize Water Sensors: Consider installing water sensors in areas prone to water accumulation, such as under sinks and near the water heater. These devices can alert you to the presence of moisture early, allowing you to address leaks before they cause major damage.
• Ensure Proper Drainage: Make sure your RV is parked in a way that allows water to drain away from the vehicle. This is crucial when parked for extended periods, as it prevents water from pooling and seeping into the RV.

Tire Maintenance and Care

Tire maintenance is a critical aspect of RV care that directly impacts both safety and insurance premiums. Ensuring that your RV’s tires are in optimal condition is not just about extending the life of the tires themselves—it’s about preventing accidents and costly repairs that could affect your insurance rates.

The condition of your tires plays a vital role in the overall safety of your RV. Well-maintained tires, especially on travel days, provide the necessary traction to handle wet and dry conditions, contribute to stable handling, and ensure effective braking. Worn or improperly inflated tires can lead to a range of dangerous situations, including blowouts and loss of control, which are common causes of RV-related accidents on the road.

One of the simplest yet most effective ways to maintain your RV tires is by regularly checking their pressure. Tires with incorrect pressure, either overinflated or underinflated, can cause uneven wear, reduced traction, and increased fuel consumption. They also pose a higher risk of experiencing a catastrophic failure, such as a blowout. Ideally, tire pressure should be checked at least once a month and before any major trip, using a reliable tire pressure gauge.

Regular inspections are necessary to identify signs of wear or damage that could compromise the tire’s integrity and safety. Look for cracks, cuts, punctures, or any objects that might have penetrated the tire. Additionally, check for uneven wear patterns, which could indicate issues with alignment or suspension. Addressing these problems promptly not only prevents accidents but also extends the life of your tires.

Rotating your RV’s tires according to the manufacturer’s recommendations can help achieve uniform wear, enhancing the longevity of the tires and improving safety. When tires wear out, replacing them in pairs (or all four at once, depending on their condition) is essential to maintain balanced handling and traction. It is also important to service your RV wheel bearings regularly to prevent any potential issues on the road. Always use tires that match the original specifications recommended by the manufacturer of your RV.

Insurance companies often assess the condition of an RV, including its tires, when determining insurance premiums. A well-maintained RV with a record of regular maintenance is less likely to encounter issues, leading to fewer claims. This can positively influence your insurance premiums, as insurers prefer covering vehicles that are kept in excellent condition due to the reduced risk of accidents and claims.

Electrical Systems and Battery Maintenance

Maintaining the electrical systems and batteries in your RV is crucial for ensuring safety, functionality, and longevity of your recreational vehicle. Proper care of these components not only prevents inconvenient breakdowns but also plays a significant role in keeping your insurance premiums low by reducing the risk of claims related to electrical failures and associated damages.

1. Regular Inspection of Electrical Connections

Begin by conducting regular inspections of all electrical connections, including your RV’s battery terminals, to ensure they are tight, clean, and free from corrosion. Loose or corroded connections can lead to poor electrical performance and increase the risk of fires or other electrical malfunctions.

2. Battery Maintenance

Batteries are the heart of your RV’s electrical system. To maintain them:

• Check Fluid Levels: Ensure that RV battery fluid levels are adequate, topping them up with distilled water as necessary.
• Clean Terminals: Keep the battery terminals clean from any build-up of corrosion, using a solution of baking soda and water to neutralize acid and a wire brush to scrub away debris.
• Regular Charging: Keep batteries charged to avoid sulfation, which can permanently reduce their capacity. Use a high-quality charger and monitor the charge level, especially during prolonged storage periods.

3. Upgrade Wiring and Fuses

Consider upgrading your RV’s wiring and fuses if they are outdated or not up to the standards of your current electrical load. Older models might not be equipped to handle the electrical demands of modern appliances and devices, leading to overloaded systems that are prone to failure and hazards.

4. Install a Surge Protector

Invest in a good quality surge protector for your RV to protect its electrical components from voltage spikes caused by unstable power supplies at campgrounds. This can prevent costly damage to sensitive electronics and appliances within your RV.

5. Regular Testing of Safety Equipment

Ensure that all safety devices related to the electrical system, such as smoke detectors, carbon monoxide detectors, and circuit breakers, are in good working order. Test these devices regularly and replace batteries or the units themselves as recommended by the manufacturer.

6. Professional Annual Check-Ups

For peace of mind and the highest level of safety, have a professional RV technician perform an annual inspection of your RV’s electrical system. They can identify issues that may not be apparent to the untrained eye and ensure that your system meets all local and national safety standards.

Seasonal RV Maintenance for Insurance Savings

Preparing Your RV for Winter

Winterizing your RV is a crucial step in the seasonal maintenance routine that not only preserves the quality and functionality of your vehicle but also influences your insurance premiums positively. As temperatures drop, the risk of damage from freezing temperatures increases, potentially leading to costly repairs that can be avoided with proper preparation. This includes de-winterizing and sanitizing your RV’s water system, as well as replacing any water filter cartridges and running fresh water through the system to remove any remaining non-toxic RV antifreeze. It’s important to take these steps before storing your RV for the winter so that it’s ready to go when camping season comes around again.

Key Steps in Winterizing Your RV

• Drain and Protect Water Systems: Water left in pipes, tanks, or water heaters can freeze and expand, causing significant damage. Drain all water and add non-toxic antifreeze to the plumbing system to protect against freezing.
• Seal Openings and Inspect Seals: Cold air and moisture can enter through gaps and deteriorated seals, leading to mold, mildew, and water damage. Check and replace worn seals around windows, doors, and vents.
• Battery Maintenance: Remove batteries and store them in a cool, dry place to prevent discharge and extend their life. If they must stay on board, ensure they are fully charged and disconnected.
• Interior and Exterior Cleaning: Thoroughly clean the interior to prevent pests and remove any food traces that might attract them. Wash and wax the exterior to protect the finish from the harsh winter elements.
• Cover and Store Properly: Use a breathable cover designed for RVs to protect your vehicle from snow, ice, and debris. Ideally, store your RV in a climate-controlled facility to further reduce the risk of weather-related damage.

Benefits on Insurance Premiums

Proactively winterizing your RV can lead to insurance benefits including:

• Lower Claim Risks: By minimizing the risk of freeze-related damage and other winter hazards, you reduce the likelihood of filing a claim, which can help keep your premiums lower.
• Premium Discounts: Some insurers offer discounts for RV owners who take active steps to protect their vehicle against seasonal risks.
• Extended RV Lifespan: Maintaining your RV in top condition can influence insurance assessments positively, potentially leading to more favorable insurance terms.

Summer Maintenance Checks

As temperatures rise and the allure of the open road calls, ensuring your recreational vehicle is in prime condition for summer adventures is crucial. Not only does summer-specific maintenance enhance your safety and enjoyment, but it also plays a pivotal role in keeping your insurance premiums manageable by preventing costly repairs and claims. Here are essential maintenance tasks to perform before and during the summer season to keep your RV running smoothly and your insurance costs in check.

1. Air Conditioning System Check

Before hitting the road, ensure your RV’s air conditioning system is functioning efficiently. Clean or replace air filters, check for coolant leaks, and ensure the thermostat is working correctly. An efficient A/C system is essential for comfortable travel during the hot months, and regular maintenance can prevent unexpected breakdowns.

2. Tire Inspection and Pressure Adjustment

Summer heat can dramatically affect tire pressure. Inspect your tires for wear and tear, check the tread depth, and ensure they are inflated to the manufacturer’s recommended pressure. Properly maintained tires reduce the risk of blowouts and accidents, which can lead to claims and potentially higher insurance premiums.

3. Fluid Levels and Coolant System

Check all fluid levels, including engine oil, transmission fluid, brake fluid, and windshield washer fluid. Ensure your coolant system is not only filled but also clean, as overheating is a common issue during summer trips. A well-maintained coolant system keeps the engine at an optimal temperature and prevents costly engine damage.

4. Battery Performance Test

Heat can take a toll on your RV’s battery. Test the battery and ensure it holds a charge and that all connections are secure and free of corrosion. A reliable battery ensures you can start your RV and operate essential systems, avoiding roadside emergencies.

5. Awning and Slide-Outs Inspection

Inspect your awning and slide-outs for any signs of wear or damage. Lubricate moving parts if necessary, and ensure that awning fabric is free of tears and mildew. Functional awnings and slide-outs enhance your living space and help avoid repairs that could be flagged during insurance assessments.

6. Water System and Leak Check

Before your journey, run a thorough check of the water system for leaks, especially around sinks, toilets, and water heaters. Inspect all RV seams and seals, including windows, doors, roof vents, and lights. Repair any leaks or damaged seams to prevent water damage, which is a common cause of insurance claims in RVs. Ensuring your plumbing and seams are intact can save you from significant repair costs and insurance headaches down the line.

Documentation and Professional Inspections

Keeping a Record of Maintenance and Repairs

Insurance companies often look favorably on RV owners who proactively maintain their vehicles. A comprehensive log of all maintenance work and repairs provides undeniable proof that your RV is kept in optimal condition. This documentation acts as evidence of your commitment to minimizing risk, which can lead to lower insurance rates. Regular maintenance reduces the likelihood of severe malfunctions that could result in costly claims, thus positioning you as a lower-risk client in the eyes of insurers.

What to Include in Your Records

• Detailed Logs: Keep detailed descriptions of all maintenance and repair work done, including date, nature of service, and who performed it. Whether it’s routine engine checks, brake inspections, or HVAC system maintenance, every detail counts.
• Receipts and Invoices: Save all receipts and invoices related to maintenance and repairs. These are crucial for substantiating your records and can be especially helpful if a claim needs to be filed.
• Professional Inspections: Regular inspections by certified professionals should be documented thoroughly. These inspections can catch potential issues before they become serious, reinforcing your proactive approach to RV care.
• Updates and Upgrades: Record any upgrades or modifications made to your RV. Improvements like enhanced security systems or upgraded plumbing systems can positively influence insurance assessments, potentially leading to premium reductions.

Long-Term Benefits

Keeping a meticulous record of maintenance and repairs not only assists in maintaining your RV’s longevity and reliability but also solidifies your standing as a responsible owner when negotiating insurance terms. Insurers may offer discounts or lower premiums to owners who demonstrate diligent care and maintenance of their vehicle, viewing these efforts as indicators of reduced risk.

When to Seek Professional RV Inspections

Regular check-ups by qualified professionals can play a pivotal role in maintaining your RV’s health and ensuring safety on your journeys. More importantly, these inspections can prevent significant repairs and costly insurance claims by catching issues before they escalate.

Key Moments for Professional RV Inspections:

• Pre-Season Check-Up: Before you embark on your seasonal adventures, a thorough inspection can ensure that your RV is in prime condition after being parked for an extended period. This includes checking the engine, batteries, tires, brakes, and all operational systems.
• Post-Trip Inspections: After a long trip, it’s wise to have your RV inspected for any damages or wear and tear that may have occurred on the road. Addressing these immediately can prevent more extensive problems down the line.
• Annual Inspections: Even if your RV hasn’t seen much use, annual inspections are essential. They help maintain the vehicle’s longevity and functionality. This routine check can cover everything from plumbing and electrical systems to the integrity of the vehicle’s structure and exterior.
• Following Severe Weather: If your RV has been exposed to severe weather conditions like heavy snow, floods, or storms, a professional inspection is necessary to assess potential damages that are not immediately apparent but could cause long-term issues.
• Before Warranty Expiry: If your RV is still under warranty, scheduling a professional inspection before it expires can help identify any repair work that should be covered. This proactive approach ensures that you maximize the benefits of your warranty.

Safety Upgrades That Can Reduce Insurance Premiums

Installing Modern Safety Features

In the world of RV travel, safety is paramount, not just for the well-being of travelers but also for the protection of the vehicle itself. Modern safety upgrades play a crucial role in reducing the likelihood of theft and accidents, which can in turn lead to more favorable insurance premiums. Here are some essential safety features that you can install in your recreational vehicle to enhance security and potentially lower your insurance costs:

• Enhanced Lock Systems: Upgrading to high-quality locks for your doors and windows is one of the simplest yet most effective ways to secure your RV. Strong, durable locks can deter theft and unauthorized entry, making your vehicle a less appealing target for thieves.
• Smoke Detectors and Fire Alarms: Installing smoke detectors and fire alarms in your RV is not only a safety necessity but also a wise investment. These devices provide early warnings in the event of a fire, allowing for quick action to prevent major damage. Insurance providers often recognize the value of these preventive measures and may offer discounts for vehicles equipped with these safety features.
• Security Alarms: A robust security alarm system can be a significant deterrent to criminal activities. Alarms that produce loud sounds or alert the owner via smartphone notifications can prevent potential burglaries and vandalism. Some systems also include motion sensors and cameras, adding an extra layer of security.
• GPS Tracking Devices: In the unfortunate event that your RV is stolen, having a GPS tracking device installed can help law enforcement recover it more quickly. Insurance companies may lower premiums for RVs equipped with tracking systems because of the increased likelihood of recovery after theft, reducing the insurer’s risk.

The Impact of Technological Enhancements

In the realm of RV travel, technological advancements are not just about enhancing comfort—they’re pivotal in bolstering safety and reducing the likelihood of accidents. By integrating modern technology into your RV, you not only elevate your driving experience but also potentially lower your insurance premiums. Let’s delve into how specific technological enhancements can make a significant difference in your safety and financial outlay.

Tire Pressure Monitoring Systems (TPMS):

Tire-related mishaps are among the most common causes of RV accidents on the road. A Tire Pressure Monitoring System keeps you informed in real-time about the pressure of your tires, alerting you to any significant deviations that might indicate a puncture or slow leak. Maintaining optimal tire pressure is crucial for vehicle stability and fuel efficiency, and it significantly diminishes the risk of tire failures that could lead to serious accidents. Insurance providers often recognize the value of such systems and may offer discounts for vehicles equipped with advanced TPMS.

Backup Cameras:

Maneuvering an RV can be challenging, especially in tight spaces or busy campgrounds. Backup cameras provide a clear view of the area behind your RV, reducing the risk of backing into objects, vehicles, or even people. This reduction in risk is not only crucial for your safety but also minimizes the chances of making claims for small but costly damages. Insurance companies typically look favorably on the adoption of such technologies, as they are proven to reduce the number of claims associated with vehicle damage.

Advanced Braking Systems:

Modern RVs can be equipped with advanced braking systems such as anti-lock braking systems (ABS) and electronic brakeforce distribution (EBD). These technologies improve your ability to maintain control of the vehicle during abrupt stops and on slippery roads. By preventing the wheels from locking up and ensuring that brake force is optimally distributed among all wheels, these systems significantly lower the risk of accidents. Insurers often provide lower premiums for vehicles that incorporate these safety features because they lead to a lower incidence of claims.

Each of these technologies not only contributes to a safer driving experience but also signals to insurance providers that your RV is equipped to prevent accidents before they happen. Adopting such technologies can be a wise investment, not just for your safety and that of your fellow travelers, but also for your wallet.

How often should you inspect and maintain your RV?

Regular maintenance is key to a well-functioning RV. It’s advisable to inspect and maintain your RV at least every 3 months, especially before and after long trips. This ensures safety, prevents breakdowns, and extends the lifespan of your recreational vehicle.

Final Thoughts

In conclusion, maintaining your RV is not just about ensuring it’s ready for your next adventure—it’s about making strategic choices that protect both your physical and financial investments. Regular maintenance checks, adoption of modern safety technologies, and understanding the link between care and insurance premiums can significantly reduce the likelihood of accidents and enhance the longevity of your RV. From tire pressure monitoring systems to advanced braking technologies, each element plays a crucial role in keeping your RV in good shape and ensuring it remains a safe, enjoyable, and economical home away from home.

Remember, an RV is more than a vehicle; it’s an investment in your lifestyle and leisure. Ensuring it is well maintained and properly insured doesn’t just save you money—it gives you peace of mind. This is where the expertise of Lake Region Insurance Agency becomes invaluable. With decades of experience and a deep understanding of the unique needs of RV owners, we are equipped to provide you with insurance solutions that ensure you are fully covered, from spontaneous road trips to long-term adventures.

Don’t let your RV adventures be hampered by the unexpected. Contact us today to discuss your recreational vehicle insurance needs. Our knowledgeable agents are ready to help you explore coverage options that protect your vehicle, your finances, and your freedom on the open road. Call us for a free quote and start your journey with confidence, backed by the support of Minnesota’s trusted insurance experts.