RV Physical Damage Options

• Total Loss Replacement - coverage will reimburse your purchase of a new RV, of like, kind and quality, should your RV be damaged beyond repair due to a covered loss occurring within the first 5 model years of your policy.
• Purchase Price Guarantee - reimburses your original purchase price in the event you experience a covered total loss and choose to replace your RV.
• Agreed Value Coverage - allows you to insure an eligible RV at an "agreed amount" based on a qualified appraisal. If you own a "classic" motor home or towable RV, or have invested in customer improvements to your RV, don't wait until you have a total loss to find out how much your insurance is willing to pay.

• Emergency Expense Allowance - defined benefit for hotel stay or return trip home if you are over 50 miles from home or a storage location and your RV is damaged or destroyed by a covered loss.
• Sign & Drive - Towing and Roadside Assistance - coverage pays the reasonable expense of towing your RV to the nearest qualified repair facility. No out of pocket expense… Sign the receipt and your back on the road.

• Personal Effects Replacement Coverage - allows you to travel with the security of knowing your personal effects (clothing, dishes, etc…) are insured for replacement cost in the event of a covered loss.
• Full Timers Stored Belongings - provides insurance coverage up to $99,000 while stored in an acceptable commercial facility (available only with Full Timer Liability Coverage).

• Full Time Coverage- available if you live in or travel in your RV full time and might lack the personal liability protection normally provided in a homeowner's policy. Don't be left financially exposed to certain third party claims not covered by your vehicle insurance.
• Vacation (Campsite) Liability - coverage protects you up to the policy limit for your legal liability resulting from lawsuits, if you are negligent while using your RV as a temporary living quarters.

• Total Loss Replacement - coverage will reimburse your purchase of a new RV, of like, kind and quality, should your RV be damaged beyond repair due to a covered loss occurring within the first 5 years of your policy.
• Purchase Price Guarantee - reimburse your original purchase price in the event you experience a covered total loss and choose to replace your RV.
• Agreed Value Coverage - allows you to insure an eligible RV at an "agreed amount" based on a qualified appraisal. If you own a "classic" motor home or towable RV, or have invested in customer improvements to your RV, don't wait until you have a total loss to find out how much your insurance is willing to pay.

Other Great RV Coverage Options

• Diminishing Deductible - your deductible will be reduced 25% for each consecutive year you are claim free! This terrific reward for staying claim free continues until your deductible is completely eliminated.
• Glass Claims - Glass claims on certain RV's can exceed $2,500. We can now offer a $100 deductible coverage on glass replacement, regardless of your policy's comprehensive deductible. Plus there is no deductible on chip repairs.
• Companion Auto and Other Policies - Coverage is also available for your auto(s), boat(s), cycle(s), ATV(s) and snowmobile(s). Multi-policy discounts will save you money on all policies.
• Awning Replacement - Should your awning require replacement from a covered loss, depreciation will not be deducted.
• Adjacent Structures - insurance on qualified adjacent structures such as sheds, decks, sunrooms, etc.
• Extended Utility Trailers - coverage for your utility trailer or tow dolly may be automatically included up to $2,500 with the option to purchase additional coverage for more expensive trailers.

Click here  to obtain a no-obligation RV Insurance quote.
Benefits vary by state and by company. Please consult one of our insurance experts to better understand available benefits.