RV /Motorhome
Insurance
Some Things to Consider When Shopping for Recreational Vehicle Insurance
RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
Liability coverage: provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss.
Options Tailored to Your Needs Can Include
Stated Value: Market value/actual cash value of the RV.
Agreed Value: The insured amount, regardless of the current market value.
Replacement Cost: you will have your insured RV replaced with a new RV that is most like it.
Vacation Liability Coverage: Consider this coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
Personal Effect Coverage: When this coverage is selected it provides replacement cost for damage or loss to items normally used with your RV.
Some policies include Roadside Assistance, which covers you 24/7 in the event of a breakdown or accident. Some policies may even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
Other Additional Coverage Can Include
Accident Forgiveness
Pet Coverage
Diminishing Deductible
And More