Freedom: that’s what RV travel means to most people. Freedom to travel and tour all over the country, seeing sights you’ve only dreamed of until now. Whether you’re traveling for the summer as a family, or retired and permanently mobile, you want to be assured that come what may, your dream won’t be shattered by an unexpected misfortune. And that’s why you’re going to purchase insurance on you Recreational Vehicle.
The quickest way to obtain RV insurance is to contact your automobile insurance agent, or you may decide to seek out one of the many agencies that specialize in Recreational Vehicle insurance. Specialized RV insurance means that you’ll get the coverage you need to be protected on the road - and makes sure that you get back on the road fast if an accident occurs.
Don’t leave your next vacation to chance - get your specialized RV insurance policy from reputable dealer.
Coverage Features and Benefits
Whether your RV is a Class A, Class B, Class C, Fifth Wheel, Travel Trailer, Bus Conversion, Air stream, or Camper Shell, you’ll want insurance that is dedicated to you and your uniquely equipped RV, plus coverage for your tow vehicle and personal autos.
Don’t take chances with your RV on your next vacation
What Coverages should RV policy include?
- Bodily Injury coverage pays damages for other people's injuries or death resulting from an at-fault accident involving an insured vehicle or driver.
- Property Damage: coverage pays for damage to other people's property resulting from an at-fault accident involving an insured vehicle or driver.
Physical Damage Coverages
- Collision coverage pays for accidental damage to your insured vehicle caused by collision with another vehicle or stationary object.
- Comprehensive coverage pays for loss or damage to your vehicle caused by fire, theft, vandalism, hail, windstorm, riot, falling objects, flood, collision with an animal, and other events as stated in your policy contract.
Uninsured/Underinsured Motorist Coverage
- Pays for damages resulting from bodily injury or death arising out of accidents caused by motorists whose liability limits are not sufficient to cover your claim, uninsured motorists and, in most states, by hit-and-run motorists.
Medical Payments (in applicable states)
- Medical Payments coverage pays medical, dental, hospital, and funeral expenses for you, household relatives, and guest passengers injured in your insured vehicle.
NOTE: Towable RVs (Trailers) are only eligible for comprehensive and collision coverage.
As well as the Basic Insurance listed above,
you may want to be Protected by
RV Specialized Coverages:
FULL RV REPLACEMENT:
This Option may cost more, but is worth every penny if the unforeseeable happens. If you’re the Original owner of an RV that is totalled in an accident, or stolen and not recovered during its first five years, and have purchased the optional RV Replacement Cost Coverage, you'll receive a NEW, comparably-equipped RV of the same make, class and body type as your covered RV.
RV & TOW VEHICLE CUSTOMIZATION
When you add permanent items like awnings, cabanas, antennas, entertainment centres, wheelchair lifts, specialized tow kits, etc. you increase the value of your RV or tow vehicle, and your insurance should reflect those changes.
Your RV is your home-away-from-home, and you’ll take alone more then a backpack when you hit the road. Most RV Insurance offers coverage specifically for personal items you use while RV’ing. Your personal belongings are covered for full replacement cost up to $3,000 in most states at no additional premium. (Higher coverage amounts available) - including up to 10% of the limit for items that are away from your RV.
Insure your lifestyle. People who claim their RV as their primary residence deserve the same type of protection that regular homeowners need, which is why companies offer Full-timers coverage. This includes personal protection for injuries in or around your RV, personal liability, superior personal effects coverage and much more.
SUSPENSION OF COVERAGE:
Most RV Insurance companies understand your lifestyle offer a policy whereby you pay for coverage only when you need it. When your RV is in storage, suspend your collision and liability coverage and save money on your premium. It is simple; only pay for what you need.
NO COST EXTRAS:
Many RV insurance companies will offer the following no-cost extras onto your policy. If they don’t, ask for them, or take your business elsewhere.
- Emergency Expense Allowance pays you up to $100 a day (maximum $500) for your food and lodging if an accident leaves
- you stranded more than 50 miles from home.
- Fire Department Charges paid up to $500 for charges made by a fire department. This is a common feature in homeowner policies, and should be included for your RV.
- Locksmith Benefit: If you're locked out of your vehicle, you'll receive $50 towards locksmith services.
- Theft Reward: $500 reward for information leading to a conviction if your RV is ever stolen.
This has been only brief description of the coverages available for RV’s and is for illustrative purposes. For actual terms and conditions of coverage provided, refer only to your insurance policy. For more information about coverage options and availability call a local insurance representative.
Drive Safe and Happy RV’ing