Recreational Vehicle Insurance Coverage:
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. Emergency expenses incurred while traveling would undoubtedly come out of your own pocket. Our A + rated companies provide coverages far above and beyond the modest coverage provided by your auto insurance company. The following descriptions are designed to be general guidelines only. These descriptions do not constitute a contract.
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Guaranteed Total Loss Replacement
If you have a 1993 through 2000 model year RV, you are eligible for Total Loss Replacement.Total Loss Replacement. Explained… If your RV is destroyed within its first five model years, this coverage will ensure that you get a brand new RV- even if it costs more than you paid for the original unit! This coverage is a great way to protect your investment from the effects of depreciation. During model years 6 through the life of your policy our companies will pay the original purchase price toward the cost of a new RV. -
Automatic Coverage for Accessories
Our companies automatically cover attached accessories such as awnings, satellite dishes, and air conditioning units. -
High Liability Limits
Our policies start with your liability coverage at: $ 100,000 Each Person $ 300,000 Per Accident $ 50,000 Property Damage. Optional coverages: Up to $1 Million dollars of liability coverage. -
Collision With Low Branch or Overhang
Covers damage to your RV and attached items like awnings and A/C Units. -
Collision With Another Vehicle
Covers damage to your vehicle when you are involved in a collision with another vehicle. Ask about Diminishing Deductibles. -
Theft of Your RV
Theft of your RV is covered under your comprehensive coverage with your choice of deductible. -
Flood
Covers your RV and its contents from damage caused by high water. -
Fire
Covers your RV and contents that are damaged or destroyed by smoke or fire. -
Windstorm
Covers your RV, plus items like awnings and satellite dishes that are damaged by wind. -
Emergency Expenses
Covers lodging, rental car and/or travel home if your RV is not useable due to a covered loss more than fifty miles from home. -
Vacation Liability
Let’s suppose a person slips on the steps of your parked RV. If you are found legally liable for the loss, our companies will pay for first aid and medical expenses. -
Theft of Your Personal Property
Covers your personal items such as clothing, cameras, and tools inside or outside your rig. Our policies start with $2,000 of coverage. -
Damage by Stray Animals
With a policy from our A+ rated companies you’re even covered for damage by stray animals. -
Vandalism
Damage by vandals is covered under your comprehensive coverage with the deductible you choose.
