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RV Insurance Information
Many people still think that their Recreational Vehicle is adequately covered under their personal auto policy – that is, until they have a loss.
In a nationwide survey of more than 19,000 RV owners, it was found that nearly half had their motor homes and travel trailers insured under their auto policy. It is important to understand the important coverage’s that a real RV policy provides - coverage you won't find on a typical auto policy.
For example, most auto policies don't cover personal items carried in a motor home, or impose strict limits on that coverage. Most don't include liability insurance when the motor home is parked and used as a residence. Most don't cover attached accessories like awnings, antennas, roof-top air conditioners and satellite dishes. And most don't cover expenses for lodging or traveling home if you can't stay in your motor home because of a covered loss.
Here are some of the Motor Home coverage’s offered that aren't included in a typical auto policy:
- Comprehensive coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning.
- Coverage for attached accessories, including awnings, satellite dishes and TV antennas.
- Emergency Expenses coverage that pays for lodging or travel home if your RV is damaged or destroyed by a covered loss more than 50 miles from home.
- Campsite/Vacation Liability coverage that provides liability coverage when you use a parked motor home as a residence.
Optional motor home coverage’s
Total Loss Replacement Coverage protects your motor home from the effects of depreciation. If a new-model motor home is destroyed within its first five model years, and you are the original owner, it will be replaced with a brand new one of similar kind and quality - no matter what it costs as long as you replace the motor home.
Replacement Cost Coverage on personal belongings that are destroyed or stolen is another option worth considering, particularly for customers who use their RV often and those people who carry a lot of expensive personal property on their trips.
Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Available 24 hours a day, 365 days a year everywhere in the United States and Canada, towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away.
Full-Timer Coverage provides liability protection very similar to a homeowner’s policy. While an auto policy will only provide liability protection when you are using the RV as a vehicle, Full-Timer policy covers you when you are parked and using the rig as a residence, too.