RV Insurance Coverage

The extra RV insurance coverages

• Roadside Assistance

  Help when your disabled or have a flat

  If yo purchase roadside assistance coverage, your insurance company will tow you to the nearest repair facility if your motorhome or travel trailer is disabled. Some carriers will have rules for how far from the road your disablement occurs (eg: Within 100 feet of a road or highway). In most cases, roadside assistance will also cover fuel delivery, mechanical breakdowns, flat tires, and battery replacement.

• Total Loss Repacement

  Replace your totaled RV or trailer

  Some carriers offer a total loss replacement option. If you purchase this coverage, and your motorhome or travel trailer is determined a total loss after an accident, the company may pay for a brand new one. Keep in mind, each carrier will have different rules for how this coverage applies, when it goes toward a new vehicle, or a payout directly to the insured. Ask your agent or consult your policy for a full explanation of the rules.

  Example: If you paid $100,000 for your RV last year and it’s only worth $80,000 today, this coverage will replace your RV with a new RV of the same model year or later—even if it costs more than what you originally paid. With some companies, if you elect not to replace the motorhome, you can be reimbursed for what you originally purchase the vehicle for.

• Replacement Cost for Personal Belongings

  Better protection for your stuff

  If you purchase this coverage you can get replacement cost protection, up to a specified amount, for personal items inside your RV. Examples of the types of items that may be included are belongings like smartphones or cameras.

• Vacation Liability

  Added liability protection

  When this coverage is selected, you get added liability should someone get hurt in or around your RV while while vacationing. Depending on the insurance carrier, you can get liability coverage up to $10,000. In some cases, for an affordable premium, you can increase this limit all the way up to to $500,000 in coverage.

• Full Timer’s Liability

  For permanent residents

  If you use your RV as your permanent residences, then you may have additional liability requirements. Full timers or permanent resident coverage can covered you up to a specified limit if you’re liable for injuries in and around your RV. This coverage is not for the temporary vacation user.

• Loss Assessment

  Coverage for those with RV associations

  This coverage can help pay for fees or dollar assessments charged by your RV association for damages or repairs to common areas caused by storm. The typical limit for this type of coverage is $5000.

• Emergency Expense Coverage

  Coverage for emergencies

  You can get you up to a certain dollar amount (typically $750) for transportation and hotel costs if your RV is disabled while on vacation. Each carrier will have different rules, but generally you will have to be more than 50 miles from home for this coverage to apply. If you want to increase this limit, some carriers will allow you to increase it up to $5000 for a premium charge.

• Pet Insurance Coverage

  Coverage for your four-legged travel companions

  Not to be confused with pet health insurance, this coverage pays up to $1000 in vet bills if your dog or cat is injured in an accident while riding in your RV. With some insurance carriers, no deductible applies when you use this coverage. If you want pet insurance, you can get an online quote and buy online.

• Pest damage protection

  If your motorhome or non-stationary travel trailer is damaged by a non-domesticated animal, such as a bird, rodent, or mouse, pest damage protection can pay for the repairs. With some insurance carriers, your RV must be less than six years old to be eligible for coverage and a $250 deductible applies.