Your Guide to Motorhome/RV Insurance

Unlike actual cash value coverage, which takes depreciation into account, agreed value coverage ensures that you will receive a predetermined amount agreed upon when the policy is purchased. This helps ensure that you receive fair compensation in the event of a total loss.

This coverage ensures that in the event of a total loss of your motorhome, you will receive reimbursement for the full purchase price of a new, comparable RV. It provides peace of mind by guaranteeing that you won't suffer a financial loss in the event of a catastrophic loss.

In the event that your motorhome becomes uninhabitable due to a covered loss, emergency expense coverage helps cover the cost of temporary lodging, meals, and transportation while your motorhome is being repaired.

In the event of a breakdown or mechanical failure, towing coverage provides reimbursement for the cost of towing your motorhome to a repair facility. This coverage helps alleviate the financial burden associated with towing services.

This aspect ensures protection for your personal belongings stored inside the motorhome. Whether it's clothing, electronics, or other valuable items, personal property coverage provides reimbursement in case of theft, damage, or loss.

For those who use their motorhome as their primary residence, full-timers coverage provides extended protection similar to homeowners insurance. It covers personal liability, personal property, and additional living expenses if your motorhome becomes uninhabitable due to a covered loss.

Many motorhome policies include coverage for attached accessories such as awnings, satellite dishes, and bike racks. This coverage ensures that these add-ons are protected in case of damage or theft.

This coverage protects you against liability claims arising from accidents or injuries that occur while you're using your motorhome for recreational purposes. It provides coverage for bodily injury and property damage liability.

Similar to guaranteed loss replacement, purchase price protection ensures that you receive reimbursement for the original purchase price of your motorhome in the event of a total loss, regardless of depreciation. This coverage helps protect your investment and ensures that you can replace your motorhome with a new one of comparable value.