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Auto Insurance: RVs & Campers

Auto insurance is the type of insurance purchased for cars, trucks, motorcycles and other vehicles usually used for protection against traffic accidents. Auto insurance, in particular, is mandatory by law in the United States. There are several categories of vehicle insurance, including the following: Automobile, Motorcycle, ATV, Segway, Snowmobile, Boat, Jet Ski, Waverunner, Sea-Doo, Recreational Vehicle (RV), Camper, and Commercial Vehicles.

Click on one of the tabs below to read about the insurance that relates to the type of vehicle in that category.

Auto

Motorcycle, ATV, Segway, & Snowmobile

Boat/Jet Ski

RV/Camper

Recreational Vehicle (RV) / Camper Insurance

Coverage is available for Motor Homes, Fifth Wheels, Travel Trailers, Campers and Pop-Ups.

Liability Insurance

A fixed amount of coverage that pays for damages that an insured client is required to pay due to an accident or some form of negligence.

Example: Steve stays on the road too long and falls asleep at the wheel of his motor home. He veers into the other lane and smashes into Elaine's truck. Steve's liability insurance would cover the repairs to Elaine's vehicle and her related medical expenses.

Collision Insurance

Provides coverage for an insured client's vehicle (after a deductible) in case it is involved in an accident. One might get a payment in order to repair the vehicle or receive the cash value for the vehicle if the insurance company deems that it cannot be repaired (or possibly that repair would be more expensive than replacing the vehicle).

Comprehensive Insurance

This type of coverage accounts for accidents that are not collisions, such as theft, flood, fire, etc. Comprehensive insurance is still subject to deductibles. Includes some coverage for roadside assistance, custom equipment and vacation liability.

Uninsured / Underinsured Motorist

This type of coverage covers other parties that are responsible for an accident and are either underinsured or uninsured.

Medical / Personal Injury Insurance

Covers necessary expenses for medical or funeral services provided to you and your passengers as a result of an accident.

Full-Time Coverage

This type of coverage is for RV owners who use their RV as their primary residence. It includes expanded coverage including personal liability, loss assessment, medical payments to others, airbag replacement and emergency lockout.

Towing and Labor

An add-on endorsement that covers charges related to towing and the associated labor fees for a disabled vehicle. Coverage depends on your specific policy limits.

Personal Valuables

Covers replacement or repair of personal valuables carried in the insured recreational vehicle. Amounts covered are dependent on your policy.

Custom Equipment

An add-on endorsement that covers the loss of described equipment that was not originally installed on your vehicle including custom parts and accessories. Some custom equipment is already covered if you carry Comprehensive Insurance.

Vacation Liability

Pays within specified limits for liabilities you are responsible for while using your RV as a vacation residence. Not available for owners who use their RV as their primary residence.

Roadside Assistance

Provides for roadside assistance should you become stranded while traveling with your recreational vehicle.

Emergency Travel Expenses

If you have trouble while out on a trip, this add-on endorsement covers the cost of a rental car and/or lodging expenses while your RV is being repaired. It can also provide transportation home if your RV is not repairable.

Golf Cart Coverage

Covers replacement or repair of a golf cart carried in conjunction with an insured recreational vehicle.

Trailer Coverage

Covers damage to or loss a trailer used in conjunction with your insured recreational vehicle. This does not refer to travel trailers.

Safety Glass Replacement

Covers damage to the safety glass installed on the insured recreational vehicle.

Awning Replacement

Covers damage to the awning installed on the insured recreational vehicle.

Identity Theft

Provides limited coverage of expenses resulting from any single case of identity theft or fraud that is discovered during the policy period. Also provides professional identity recovery and resolution services.

Available Recreational Vehicle / Camper Discounts:

There is NO Limit to the number of discounts that you can qualify for!

Accident-Free
Up to 10% reduction in certain instances when an accident-free driving record is maintained.

Homeowner
Up to a 5% discount if you also have a Homeowner's Policy with us.

Long-Term Policyholder
Up to 5% reduction if you are insured with us for at least 3 years. Up to 15% reduction if you are insured with us for at least 5 years!

Multi-Policy
Up to 10% reduction if you have multiple policies with us.

Mulit-Vehicle
Up to 7% reduction if you insure multiple vehicles on one policy. Limit 12 vehicles per policy. Discounts start at 5% for 2, 6% for 3 and 7% for 4 or more vehicles.

Paid in Full
Up to 10% discount if you pay your premium in full up front.

RV Association
Up to 5% discount if you are a member of a qualified RV Association.

RV Safty Course
Up to 10% discount for providing certification from the completion of an approved RV Safety Course.

Safe Driver
Up to 15% reduction in certain instances when a violation-free driving record is maintained.

Safety Accessories
Discounts may be available for maintaining safety accessories, such as fire extinguishers and audible alarms, in the living area of your recreational vehicle.

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