RV Insurance Services

Physical Damage Coverage

There are a few different types of RV insurance coverage, and it is essential to understand their differences before deciding.

The two main types of coverage are actual cash value and agreed value.

• Actual cash value coverage takes into account the age and condition of the vehicle at the time of the loss and pays out accordingly.
• Agreed value coverage protects the insured's vehicle value without worrying about depreciation for up to 10 years. The value is listed on the Declaration page.

Replacement cost coverage pays for a new replacement vehicle or the value listed on the Declaration page. After 5 model years, the amount listed on the Declaration page will be paid. Vehicle must be a current model year or 1 model-year-old, have no previous owners, be never titled, and never insured. Understanding the different types of coverage available will help you choose the best policy for your needs.

Emergency Expenses

Suppose your RV becomes inoperable due to a covered Comprehensive or Collision loss more than 50 miles from your residence or storage facility. In that case, this coverage provides up to the selected limit for temporary living facilities, transportation back to your residence, the cost of returning the RV to your residence if it was not declared a total loss, and rental charges.

At the same time, the covered vehicle is being repaired. This coverage gives you peace of mind knowing that you will be taken care of if you have an accident while on vacation or a long-distance trip.

Personal Effects

When you purchase RV insurance, you are typically covered for damage to your vehicle. However, coverage options are also for your personal belongings damaged in an accident. For example, if you keep valuable personal items in your RV, coverage for those items would typically fall under this category.

This type of coverage is vital to have because it can help to replace items that are essential to your daily life. In most cases, the coverage limit is relatively low, so it is essential to carefully consider the value of the items that you keep in your coach.

In addition, a deductible will typically apply, so you will need to factor that into your decision. Ultimately, this coverage can give you peace of mind in knowing that your belongings are protected if you cannot enjoy your coach.

Full Timer RV Insurance

Some people choose to live in an RV full-time as their primary residence. This can present some unique challenges when it comes to insurance coverage. However, the policies available can provide the coverage you need if you use your RV as your primary residence.

These policies can include coverage for personal liability, medical payments, and loss assessment. they can also provide bodily injury and property damage coverage if you are legally liable for an accident. If you are living in an RV while your house is being built or renovated, you may still be able to get coverage through your regular homeowner's policy.

However, it is essential to check with your insurer to be sure. Either way, options are available to help you maintain the coverage you need, even if your living situation is unconventional.

Medical Coverage

Medical RV Insurance covers injury to individuals riding in the vehicle regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy. Bodily Injury coverage is required to select Medical Payments coverage. Medical Payments will cover you and your passengers for reasonable medical expenses related to an accident, no matter who is at fault. It can also help pay for funeral costs. This type of coverage is not required, but it can give you peace of mind knowing that you and your passengers are covered in the event of an accident. Before purchasing an RV, ask about Medical RV Insurance and whether it is right for you.

Uninsured Motorist Coverage

Uninsured Motorist Coverage is designed to protect you if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages. If it is determined that the other driver is at fault and does not have adequate insurance, this coverage will help to pay for the damages.

You can choose Stacked or Non-stacked Uninsured Motorist Coverage, which will determine how the coverage limits are applied. Stacked coverage means that the limits from each vehicle listed on your policy will be combined to provide more protection, while non-stacked means that each vehicle has its limit. Either way, this coverage can provide vital protection in an accident.

Personal Injury Protection (PIP)
RV Insurance Coverage

PIP, or Personal Injury Protection, is insurance coverage that benefits the policyholder regardless of who is at fault for an accident. PIP coverage is often referred to as "no-fault" coverage because it pays out benefits regardless of who caused the accident. In most states, PIP is mandatory insurance coverage, and the minimum coverage required by law is $10,000.

PIP coverage typically pays for 80% of reasonable medical expenses and 60% of lost wages resulting from an accident. In addition to the named insured, PIP coverage extends to certain relatives living in the same household, passengers without PIP coverage, and licensed drivers operating the vehicle with the named insured's permission.

PIP coverage protects the policyholder while in their own vehicle or someone else's vehicle. It also protects pedestrians and bicyclists who are struck by a motor vehicle.

• Extended Personal Injury Protection (PIP) pays for 100% of reasonable medical expenses and 80% of lost wages up to your policy's limit. PIP also pays for replacement services if you cannot perform your normal activities and funeral expenses. PIP is available for an additional premium and is typically purchased in addition to your health insurance. PIP is not a substitute for health insurance but can provide valuable protection if you are injured in an accident. If you have PIP, be sure to keep track of your expenses so that you can submit a claim to your insurer.
• A Personal Injury Protection Deductible is an insurance policy that allows the policyholder to select a deductible amount of $250, $500, or $1,000 for personal injury protection. This deductible is subtracted from the available PIP benefit or total amount the Named Insured can collect. If PIP with a deductible for the Named Insured only is selected, then the deductible will only apply to the named insured and spouse and not to resident relatives. This option is beneficial for those who are looking for a way to lower their monthly insurance payments. By selecting a higher deductible, you are essentially agreeing to pay more out-of-pocket expenses in the event of an accident. However, this could save you money in the long run if you never need to use your PIP benefits.
• The Work Loss Exclusion option allows policyholders to exclude benefits received for loss of income and earning capacity from PIP coverage. This option is available to policyholders who are gainfully employed at the time of the accident and have sustained an injury that prevents them from working. Under this exclusion, benefits will only be paid for lost wages up to the date of the accident. Policyholders who elect this exclusion will not be eligible for benefits for any lost wages incurred after the date of the accident. This option is only available to policyholders in certain states. Please check with your agent to see if this option is available in your state.

Roadside Assistance

Roadside assistance is a service that provides coverage if the insured's motorcoach or RV is disabled due to a covered emergency. The service is available 24/7 in the United States and Canada. Roadside assistance can provide towing, flat tire service, battery jump start, fuel delivery, and locked-out assistance. A third party typically provides the service and is included in some auto insurance policies. Roadside assistance can be purchased as an add-on to an auto insurance policy or as a standalone product.