RV Insurance

Some of our coverages

Total loss replacement

We’ll replace your totaled travel trailer or motorhome with a brand new one, minus your deductible, so long as your RV is five model years old or less. If your RV is older than five model years, you’ll receive the amount specified in your policy.

Example: If your totaled RV originally cost $55,000, but is only worth $45,000 today, we’ll pay to replace it with the same model year or later and the same trim level or better - even if it costs more than the original vehicle’s purchase price.

Replacement cost/personal effects

Protect personal property inside your motorhome or travel trailer up to the limits you specify.

Example: You accidently back your trailer into your picnic table, damaging your cell phone and tablet. We’ll pay to replace both items up to the limits of your policy.

Emergency expense

We’ll pay you up to $750 (you can upgrade to $2,000) for transportation and lodging expenses if you’re on vacation and your RV is disabled more than 50 miles away from your residence.

Example: Your motorhome’s engine breaks down and you’re 150 miles from home. While your RV is being repaired, you rent a car and stay in a hotel. We’ll help you pay for all those expenses up to the limits of your policy.