Motorhome Insurance
Camper and Motorhome owners are potentially putting themselves at risk when they purchase insurance from a "general" protection carrier or agent. While most auto policies provide assurance for collision and theft, they do not offer the following specialty insurance coverage, designed specifically to protect Motorhome owners:
Motorhome Personal Property Insurance:
Covers items that you take onboard your RV, such as house wares, tools, clothing and sporting equipment, for their full replacement value. Although these items may be covered by your homeowners policy, typically only 10% of your homeowners coverage extends to off-premise property. That may not be enough insurance to cover the items in your motorhome.
Attached Accessories:
Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.
Motorhome Road Service Insurance & Unlimited Towing:
Provides sign-and-drive coverage 24 hours a day, 365 days a year. Includes battery jumpstarts, fuel delivery, flat tire change, lockout service, and winching and towing for mechanical or electrical breakdown. The amount you choose is the limit of coverage (the maximum payment from the insurance company).
Guaranteed Loss Replacement:
Ensures that you get a new comparable motorhome if you have a total insurance loss in the first five model years. For RVs six model years or older, the purchase price of the coach would be paid. This valuable insurance coverage protects your Motorhome investment from the effects of depreciation.
Full Timers Coverage:
Provides comprehensive personal liability, stored personal contents, and additional living expense insurance coverage for those living full-time in their motorhome.
Agreed Value Coverage:
Locks in the value of your classic coach or bus conversion up front with a qualified appraisal.
Canada & Mexico Coverage:
Covers your recreational vehicle for comprehensive and collision while you travel in Canada or Mexico, provided you maintain Canada or Mexico liability insurance during your entire trip.
Vacation Liability Coverage:
Pays for bodily injury or property damage to others occurring at your vacation campsite.
Emergency Expense Coverage:
Reimburses you for expenses incurred following an accident or other covered loss. Pays for hotels and transportation if your motorcoach is incapacitated. Choose the dollar amount for maximum reimbursement.
Purchase Price Protection:
Available only on new motorhomes, this guarantees reimbursement of the entire purchase price in the event of an insurance loss.
Add a Companion Vehicle:
Add a Companion Vehicle to your Motorhome Insurance Policy. This can include any auto pulled behind your vehicle and, in some cases, include any vehicle owned by the policy holder, even if the vehicle is not towed by the motorhome.
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