Motor Home/Travel Trailer

Policy feature

What it means

Coverage levels

Liability only

Your RV is insured just for liability requirements of your state.  Physical damage coverage is not part of your policy, and the other coverages and options presented in this table are not included.

Full coverage

Comprehensive and collision protection are added to the liability coverage.  With full coverage you have additional benefits and can add options to your policy.

Loss settlement options

Replacement cost

We will replace your RV if it is five model years old or newer and is damaged beyond repair as a result of an accident. You will receive another unit of the same kind and quality - no depreciation.

Purchase price

We credit the amount you paid for your RV if it’s damaged beyond repair.

Agreed value

Together, we determine how much your RV is worth and insure it for that amount. If you suffer a total loss, you'll be reimbursed for that agreed amount - no depreciation.

Optional coverage

Roadside assistance

Whether your RV breaks down, runs out of gas, or you simply lock yourself out, call the toll-free number for assistance. You won't need a separate service plan.

Emergency expense

We pay temporary housing expenses when a covered peril disables your RV. This coverage also pays the cost to get you, and your vehicle, back home.

Outstanding loan balance

Settlement for a total loss might not be enough to pay off an outstanding loan. This option ensures you're not left with a loan to pay and no RV to show for it.

Full-timer liability

If you live 6 months or more of the year in your RV, we offer liability protection similar to a homeowner policy.

Vacation liability

Enjoy liability coverage while your unit is parked at a campsite or RV park.

Personal effects

We give you two choices to protect your personal belongings: actual cash value or replacement cost coverage.