Recreational Vehicle Insurance

Unless you have a true recreational vehicle insurance package, you could be in for an unpleasant ordeal should you experience a loss with your RV. Your auto and homeowner's policies may not cover such items as appliances, plumbing or accessories. Without true Recreational Vehicle insurance, your emergency expenses incurred while traveling would undoubtedly come out of your own pocket. A typical travel trailer insurance policy from an auto carrier will include physical damage coverage only. Our A + rated motorhome insurance and travel trailer insurance companies provide coverages far above and beyond the modest coverage provided by your auto insurance company.

Consider These things when looking at specialized RV Insurance:

Replacement Cost vs. Actual Cash Value (ACV) - Most auto policies will settle a total loss to the RV on an ACV basis, which means they will depreciate the recreational vehicle based on age and mileage which usually results in an unsatisfactory settlement.  Replacement coverage on a specialty policy eliminates depreciation and allows you to replace your RV with a new one of like kind and quality, regardless of cost.

Protection for Your Personal Belongings - Auto policies strictly limit or restrict coverage for RV contents. Specialty recreational vehicle policies have higher levels of replacement cost on contents included automatically. You can also increase your contents coverage to match the value of items you carry with you such as sporting equipment, housewares, electronics, etc.

Roadside Assistance Coverage - Unfortunately, all types of unexpected surprises occur when you are on the road. Should you need help with any of these events (jumpstart, tire change, fuel delivery, lock out), 24/7 assistance is only a phone call away.

Emergency Expense Coverage - If your recreational vehicle is immobilized or unlivable, a specialty RV policy will provide reimbursement for extra expenses incurred for such things as motel rooms, restaurant food and even expenses for alternate travel to or from your destination.

Deductible Reduction or Elimination - Your deductible is decreased by 25% per year for every consecutive claim free year. You could possibly have a zero deductible applies to your loss. Safety is rewarded.
Vacation Liability - Someone trips over your electrical cord, burns themselves in your campfire, trips down your steps and injures himself. All kinds of unexpected things can happen. Vacation Liability provides basic campsite protection for you when these types of events occur.

Towing Coverage - Towing coverage on a specialty RV policy can be obtained to cover the reasonable & necessary cost of the tow without policy limits. The cost of towing a recreational vehicle can be substantial, and can well exceed the limits of an automobile policy. Only certain repair facilities can perform the type of service your RV needs.
Enhanced Claims Response and Settlement - Specialty RV companies recognize the need for fast, fair claims response and payment to get you back on the road. Specialty carriers usually have large networks of claims adjusters throughout the country ready to respond when you need them.

Remember that all RV insurance is not alike, especially if you have your recreational vehicle insured on a vanilla automobile policy.  Contact us today so that we can help explain, or help you decide on the coverages you need.