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Recreational Vehicle Insurance Information
We are RV Insurance Specialists!
Our RV Policies offer specialized coverages!
Unless you have policy specially designed to cover your RV, you could be in for a very unpleasant experience should you ever experience a loss. Your auto and homeowner's policies may not cover such items as appliances, plumbing, liability, or accessories. Our highly rated motorhome insurance and travel trailer insurance companies provide coverages above and beyond the modest coverage provided by your automobile insurance company. As outlined below, the policy we provide is a far superior way to cover your RV!
Innovative RV Policy Coverage
Depreciation Free Policy
If you carry Total Loss Replacement, you have taken the first step toward insuring your RV against depreciation. However, Total Loss Replacement only provides protection against depreciation in the event of a total loss and does not provide replacement cost on partial losses.
We are proud to offer the industry’s first depreciation free policy! Depreciation Buyback Coverage provides replacement cost coverage for losses that are typically settled on an actual cash value basis by other RV insurance such as damage to tires, awnings, screen doors, electronics, and more.
Our policy affords the opportunity to ensure that you have no out of pocket expenses in the event of a total loss by offering Deductible Buyback Coverage, another industry first! Your deductible is reduced to $0 upon replacement of your total loss vehicle.
Earn your reward in half the time! Every loss-free year your Comprehensive and Collision deductibles are reduced by 50%. After two years of loss-free experience, your deductible is reduced to $0 in the event of a loss.
Total Loss Replacement
You have taken great time and pride in selecting and personalizing your RV to make sure it is just right for you and your family. In the unfortunate event of a total loss to your RV, don’t let a claims adjuster determine which replacement vehicle is right for you. Unlike other specialty RV insurance, the choice of manufacturer, floor plan, and color is completely up to you!
Specialty RV Policy Coverage
Total Loss Replacement
If your RV suffers a total loss, Total Loss Replacement will replace your RV with a new one for the first 5 model years, and provide the purchase price toward a new unit after five model years. This Total Loss Replacement differs from that of typical RV insurance. Total Loss Replacement is available to original owners of the RV during the first 5 model years.
Diminishing Deductible reduces your Comprehensive and Collision deductible by 25% for every loss-free year. At the end of 4 years of loss-free experience, your deductible is just $0 in the event of a claim. We also offer an Express Option that earns your rewards in half the time!
Protect your belongings inside or outside your Recreation Vehicle with Personal Effects Coverage. Personal Effects will pay the replacement cost for damage to, or loss of, contents used in conjunction with your RV such as clothing, jewelry, cameras, cooking equipment, and other items not permanently attached to the RV. Limits up to $99,000 are provided. A limitation of $1,000 applies per item or group of similar items, however Valuable Personal Property Coverage may be purchased for items that exceed this $1,000 sub-limit.
Full Timer Coverage
Full Timer Coverage provides protection, similar to a homeowners policy, to policyholders that use their RV as a residence more than 5 months out of the year. Third Party Liability Protection is provided with limits up to $500,000. Full Timers Medical Payments, which provides medical expenses incurred by the named insured and family members in a non-vehicle accident, is available with limits of $10,000 per person, $20,000 per accident. Insurance for personal property kept in a commercial storage facility is also available with limits up to $99,000.
Also known as Campsite Liability, Vacation Liability provides personal liability coverage when using your Motor Home or Travel Trailer as a vacation residence. Limits up to $500,000 are available.
Coverage provides for emergency expenses incurred after a vehicle loss or breakdown. Basic limit of $750 applies with optional limits of $1,500 and $5,000 available to Full Timers.
Purchase Price Guarantee
This RV insurance coverage protects against depreciation by replacing the loss settlement options in the policy so that, in the event of a total loss, we will pay the purchase price toward the purchase of a replacement unit. Available to policyholders that have purchased a used Motor Home or Travel Trailer during the past 12 months and the RV is less than 10 model years old.
Purchasing this coverage modifies the loss settlement provisions so that no depreciation applies to losses of permanently attached awnings. This coverage is available if Total Loss Replacement coverage has also been purchased. To provide complete protection against depreciation, we also offer a Depreciation Free Policy option.
Scheduled Medical Payments
Scheduled Medical Payments provides coverage for scheduled injuries that occur in non-vehicle accidents.
Adjacent Structures provides protection for structures set up next to your RV such as screen rooms and sheds, as well as providing coverage for the contents of the structures.
Bus Conversions may be covered on an Agreed Value basis, providing physical damage up to the agreed value limit toward the replacement of a unit. Coverage requires a certified appraisal of the RV within the last 3 years
Basic RV Policy Coverage
Bodily Injury and Property Damage
BI/PD covers your legal liability to a 3rd party as the result of an accident involving your motorized vehicle. This coverage, required in most states, will pay medical bills and lost wages of the injured party, as well as damage to property such as another vehicle. Limits up to $500,000 are available.
Medical Payments will pay medical costs to you or a family member as the result of an accident in your RV, regardless of who is at fault.
Uninsured & Underinsured Motorists
When a person at fault for an accident does not have insurance or does not have enough insurance to cover your damages, Uninsured & Underinsured Motorists (UM/UIM) provides protection to you. This includes medical bills and lost wages and may include damage to property, including your RV.
Comprehensive and Collision
Comprehensive (Comp) and Collision (Coll) cover the cost to repair your RV if it is stolen or damaged in a covered accident. Various deductible options are available and may be combined with Diminishing Deductible or the Diminishing Express option.
Towing & Roadside Labor
If your RV becomes disabled, Towing & Roadside Labor will provide for reasonable expense to tow your disabled vehicle to the nearest qualified repair facility as well as provide roadside labor at the point of disablement.
Mexico Insurance Protection for your RV will extend your policy coverage territory to include physical damage losses (Comprehensive and Collision) in Mexico. Mexican Liability coverage must be purchased for a licensed Mexican Liability insurer and the unit must be repaired in the United States.
Optional Glass Coverage is available in most states and will reduce your Comprehensive deductible in the event of a loss involving glass only.