Stanger Insurance

Summer means more time on the water, on the trails, and on the road—but are your recreational vehicles properly protected?

Many boat, RV, ATV, and golf cart owners are surprised to learn they may have coverage gaps that could leave them exposed after an accident.

Before your next adventure, take a few minutes to learn about the most common insurance mistakes and how to avoid them.

Read our latest blog: **Summer Toys, Summer Risks: Are Your Boat, RV, ATV, or Golf Cart Properly Insured?**

🔗 https://stangerinsurance.com/blog/summer-toys-summer-risks-are-your-boat-rv-atv-or-golf-cart-properly-insured/

Remembering and honoring the sacrifices made by brave individuals who served our country.

🏠 Not all roof coverage is the same—and it matters more than you think.

Here’s the difference 👇

🔹 RCV (Replacement Cost Value)
Covers the full cost to repair or replace your roof (minus your deductible)
👉 Best protection. Least out-of-pocket.

🔹 ACV (Actual Cash Value)
Pays to repair or replace your roof minus depreciation
👉 Older roof = smaller payout

🔹 Roof Schedule
Pays a set percentage based on age/material
👉 Older roof = lower percentage paid

💡 Good to know:
Depending on your roof’s age, some carriers may only offer ACV or a roof schedule until the roof is replaced.

👉 Want to know what options you have? Reach out—we’re happy to review your coverage and walk you through it.