To determine the level of risk in your area: View hurricane maps published by the National Climatic Data Center at How much insurance policies you need depends, mainly, on your age. PIP, in the event of an accident, will pay around 80% (depending on insurance policies limits) of the costs of the insurance holder and passengers. Where the states differ greatly is in the minimum guaranteed payout that is set for each. Alaska may be the last frontier, but the cost of owning your own RV may seem like its own insurmountable boundary, never mind the drive to Alaska. On November 26, 2002, President Bush signed the Terrorism Risk Insurance Act, which stated that private insurers and the federal government share the risk of losses attributed to terrorism. Dont be afraid to ask questions, especially about insurance and extra costs like cleaning fees. Keep an accurate and up-to-date copy of your records and policies off the premises in a safe place. However, these services may not be the solution if you have a family to insure, as well. Inland areas of activity include Nevada, Utah, Idaho, Wyoming, and a small area between the three connecting corners of Arkansas, Tennessee and Missouri. Private agencies do not provide flood insurance; flood insurance is available through the NFIP, who is under FEMA and the Department of Homeland Security. Insurance: Coverage for this type of disaster is usually available through a standard insurance policy. There are many types of disasters to consider, including natural disasters like floods, earthquakes, forest fires, tornadoes and hurricanes. Its easy to drive -- making it perfect for the first time RV renter -- and has comforts of home like beds, a toilet, shower, heat and air-conditioning, refrigerator, and a microwave. Trying to get insurance cover can be a real minefield to most people. In renting an RV in Alaska, you can travel when and where you want, and at a fraction of the cost of buying an RV. The reality is if your vehicle isnt worth a whole lot and you can afford to purchase another vehicle should your current car get totaled in an accident then liability insurance may be the only type of auto insurance coverage you require. Many elements of an auto insurance policy that could be optional are cover for the uninsured motorist and personal injury protection. This breaks down into 50/100/25, which remember was the state of Alaska's minimum amount for liability auto insurance. Trying to get insurance cover can be a real minefield to most people. Damage to trees and landscaping is not usually covered unless an addition is purchased. This may seem like the thin end of the wedge, especially if youre the one driving an office car pool, however, the safety of any passenger riding in your car is always going to be your responsibility. This unique kind of earth movement falls into a commonly undefined area of coverage; consult your policy to see if your insurance covers this type of occurrence. Higher education is important to you; so is your health. If you reside in a state that requires personal injury protection you will need to know the minimum amount of cover you must have because this has already been decided for you. That's because should you get in an accident and become found, as at fault, full coverage auto insurance will pay for all the damages to your own vehicle as well as the car you struck during the accident. Personal injury protection is a no-fault policy, so it will cover you and your passengers, even if the reason for claim was your fault. Homeowners may want to consider, regardless of location, Additional Living Expenses (ALE), which is a benefit that will reimburse up to 10-20% of the structural coverage of your home to help with temporary living expenses. Who is at Risk? Properties in wooded or dry grassland areas or located far from fire stations are considered at risk. If a nearby power plant irradiates your property, insurance will generally not cover damages.