RV

Liability Coverage

Liability coverage protects you if you cause an accident – covers other driver’s (and his/her passengers’) medical bills and damages.

Medical Payments Coverage

This coverage helps pay for medical expenses as it relates from injuries associated with auto accidents whether the insured is at fault or not.

Collision Coverage

This coverage protects you if you get hit by, or hit, another vehicle. Covers your RV repairs, you choose level of deductible that you want to pay, company pays up to policy limit.

Comprehensive Coverage

Coverage protects you if your RV is damaged by fire, vandalism, hail or flood. You pay the deductible that you’ve chosen, company pays up to policy limit.

Uninsured or Underinsured Motor Vehicle Coverage

Protection if you are in an accident caused by an uninsured driver or a driver with limited insurance; company pays up to policy limit.

Emergency Road Service

This coverage provides you with towing service or roadside assistance if your motorcycle breaks down due to mechanical or electrical issues (such as dead battery, a flat tire, or a lock-out) or if you run out of fuel.

Roadside Assistance

This coverage provides you with towing service or roadside assistance if your RV breaks down due to mechanical or electrical issues (such as dead battery, a flat tire, etc.) or if you run out of gas.

Emergency Roadside Assistance

Provide payments for lodging if the RV is damaged in such a way that it can’t be used while you are on vacation away from your primary residence.

Replacement Coverage

This coverage protects your personal property that is in the RV for replacement cost up to a designated amount.

Agreed Value Coverage

Coverage is not based on its actual value but on a value agreed on with the insured.

Mexico Coverage Extension

Can extend physical damage coverage (Comprehensive and Collision coverage) while traveling in Mexico subject to conditions outlined by carrier.

Personal Effects Coverage Replacement Cost

Coverage to replace the totaled RV with a new RV; additional replacement coverage offers for personal property in RV.

Auto Loan & Lease Coverage

In the event of a total loss, coverage can pay for the difference between loan or lease amount and the value of the RV.

Audio Visual Equipment Coverage

Provides coverage for audio and visual equipment that was not installed by the manufacturer or dealership as long as it is permanently installed.

Insurance Discounts

• Multi-Policy Insurance Discount – Ask your agent about multi-policy insurance discounts when you combine RV insurance with auto, home or life.
• Claim-Free Discount – A discount for not having any claims.

Driver Discounts

• Responsible Driver Discount – Discount for have a good driving record.
• Small-Claim Forgiveness Discount – A discount not charging for the first small claim on your policy.

Vehicle Discounts

• Anti-Theft Device Discount – Discount for having an anti-theft device installed in your vehicle.
• Type of RV Discount – The different makes and models and their safety features can affect the pricing of your RV.

Billing Discounts

• Paid in Full Discount – A discount for paying your insurance in full at inception.
• Prompt Payment Discount – A discount for paying your bill before the due date.