If you currently own an RV, review your policy to be sure you have the protection described below at a reasonable price. If you are thinking of buying an RV, be sure to discuss the availability of these coverages with one of our RV-experienced agents. Protect yourself by properly insuring both your investment and RV’ing lifestyle with specialized RV insurance.
Total Loss Replacement (TLR) – This coverage is a major difference between a standard auto policy and a specialized RV policy. With TLR coverage, if your RV is totaled, our companies replace your RV with a new one or pay you your initial purchase price, depending upon the age of your unit at the time of loss.
Free 24-Hour Emergency Roadside Assistance – With most policies, our insurance companies will cover the towing of your RV to the nearest qualified repair facility, regardless of cost. Most of our companies often extend coverage to the tow or towed vehicle, as well, if it’s being used in conjunction with the RV. Ask your agent for more details.
Agreed Value Coverage – Offered for used units, classic coaches, and bus conversion vehicles that don’t have a standard market value. With a bill of sale or qualified appraisal, you can lock in the coach’s value up front. This protects your investment in the RV without the worry of depreciation in the event of total loss.
Full-Timer Coverage – Without a homeowner’s policy, RV’ers who live in their vehicles full-time are left with major exposures. Personal liability, additional living expenses, and stored personal effects coverage are included in our RV specialty policies to protect full-timers’ unique needs.
Experienced RV Claims Handling – While you may never experience a serious loss with your RV, specialized RV insurance companies give you peace of mind knowing that your claim will be handled by professionals with RV experience, not simply standard auto adjusters.
Disappearing Deductible Coverage – Designed to reward good drivers by reducing comprehensive and collision deductibles by 25% of your original deductible for each claim-free year. If a loss occurs after four claim-free years, you pay no deductible on your claim.
Personal Contents Coverage – Covers personal property, such as housewares, tools, clothes, and sporting goods. A homeowner’s policy may provide coverage, but there are often limitations to coverage for off-premises property, items in storage, or belongings damaged in a collision. Our RV specialty policies replace stolen or damaged items at full replacement cost.
Add-Ons and Tow Dollies Included – Our RV specialty policies automatically cover items like awnings, antennas, external racks, and satellite dishes for no additional charge. Additionally, tow dollies and trailers can be included in coverage.
Emergency Expense Coverage – If your RV is incapacitated due to a covered loss, the policies from our specialty companies cover the cost of a rental car and/or hotel room while your RV is being repaired. If your RV is irreparable, the policy may cover airfare to return you and your family home (coverage varies from insurance company).
Vacation Liability – Our policies accommodate the unique risks involved in the RVing lifestyle. If someone is injured in your campsite, your liability exposure is covered up to policy limits. Some companies actually extend this coverage to your entire vacation experience.
The specific coverage you purchase may vary slightly from the descriptions listed above. Your policy is your contract so be sure to read it carefully.
Your motor home or travel trailer is not a car, so why would you insure it like one? Let us research many top-rated RV insurance companies to find you the best combination of rate and coverage.
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