RV insurance specialty coverage is important, because let's face it, an RV is a hybrid. It rolls down the highway, only to be parked and be a temporary home. From an insurance stand point this means we need to cover you not only while its being driven or in tow, but also when its parked. It also means that we need to insure all the cool things that make it livable.
Replacement Cost Personal Effects - Unlike an Auto policy an RV policy can provide coverage for your personal effects. This is an example of how an RV policy can kind of be like a home insurance policy. A traditional Auto policy isn't going to cover you for personal property, rather, it tells you go get that coverage from your Homeowners policy. But in your RV you may have things to cook, clean, sleep, and live. Personal Effects coverage can cover all these things up to the limit on your policy in the event that then are damaged, destroyed, or stolen.
Attached Accessories - Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.
RV Road Service Insurance & Unlimited Towing - Provides sign-and-drive coverage 24 hours a day, 365 days a year. Includes battery jump starts, 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).
Emergency Expense Coverage - Reimburses you for expenses incurred following an accident or other covered loss. Pays for hotels and transportation if your coach is incapacitated. Choose the dollar amount for maximum reimbursement.
Vacation Liability - So you have just finished, setting up your rig in a camp site, you have just put out your chairs so that you can sit and relax under the awning, when a neighbor, comes over, trips, falls, and breaks an arm. Where are you going to get covered? Vacation Liability. Vacation Liability covers losses resulting in injury, death, or property damage that includes in your motor home or travel trailer, or on your campsite.
Full-Timer RV Coverage - Are you living in your RV full-time. If you are you will want to purchase Full-Timer liability. This works like the personal liability coverage that is provided by a homeowners policy. Whereas the vacation liability works like premise liability, the Full-Timer Liability is much broader. Some companies will cover medical payments, loss assessment, and even contents in a storage unit. Full-Timer Coverage is designed for those that use their motor home or travel trailer for six or more months out of the year.
Mexico Physical Damage - If you are headed to Mexico, we can cover your RV for collision and other-than-collision while in Mexico.
RV Specific Loss Settlements - From total loss replacement, to purchase price guarantee, to agreed value we have RV specific loss settlements that will protect your RV in the best way possible.
Diminishing Deductible - For every loss free year you have, your deductible decreases. At within several years (depends on the carrier) you can have a situation that you would not have a deductible in the event of a loss.
Mexico Coverage - Covers your recreational vehicle for comprehensive and collision while you travel in Mexico, provided you maintain Mexico liability insurance during your entire trip.
Don't settle for an Auto insurance policy, get the RV insurance specialty coverage you need!