General Acceptability

  • Motor homes up to $500,000 in value.
  • Travel trailers up to $300,000 in value.
  • Vehicle Usage Classifications- designed to help you better determine insured’s usage.
  • 30-150 days a year.
  • More than 150 days a year.
  • Primary Residence.

Specialty Coverage

  • Actual Cash Value (ACV)- pays lower of ACV or Rating Base.
  • Total Loss Replacement- Replaces current RV with new RV.
  • Roadside Assistance- 24 hours a day, 7 days a week.
  • Emergency Expense- Pays for temporary living facilities, transportation and cost of returning the RV in event of covered loss more than 50 miles from home- up to $7,500.
  • Vacation Liability- Pays up to specified limits ($500,000 max) for which insured is legally liable as result of accident that occurs while RV is used as temporary vacation residence.
  • Mexico Physical Damage Coverage included with physical damage.
  • Fire Department Service Charge included with physical damage.
  • Primary Replacement Cost Personal Effects- Up to $99,000.
  • Utility Trailer Coverage- Up to $20,000.
  • Windshield Coverage- $0 deductible option available.
  • Pet Injury Coverage Included with comprehensive/collision- up to $1,000.
  • Disappearing Deductibles- Deductible reduced by 25 percent following each claim-free policy period.

Full Timer’s Package

  • Required if the insured uses their RV as a primary residence. Primary residence is defined as not owning or residing in another dwelling
  • Full Timer’s Personal Liability
  • Full Timer’s Medical Payments to Others
  • Full Timer’s Loss Assessment
  • Storage Shed Contents Coverage.