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What You Need to Know About RV Insurance
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Important RV Insurance Coverages & Options
Total Loss Replacement
National General RV Insurance has optional Full Replacement Cost Coverage; if your RV is totaled or stolen (and not recovered) and it's within the first five model years, it will be replaced with a comparable, new RV, even if you're not the original owner. After the first five model years, you will receive your full original purchase price - not a depreciated amount - toward the purchase of a replacement RV. And our professionals will be happy to help find a replacement RV that meets your exact needs.
You should always maintain your comprehensive coverage to protect your RV against threats like animals, fires, stores, wind and theft. However, the National General Storage Option lets you save money by suspending the other coverages you don’t really need during the months your RV is off the road.
The Storage Option allows you to “turn off” your liability and collision coverages to reduce your premium by an average of 53% when you are not using your RV. Just 6 months of this exclusive Storage Option could save you up to $400.
Full Timer Coverage
The National General Insurance Plan features Full-Timer Coverage designed to provide protection to RV’ers similar to how a homeowner’s policy protects for things that happen in and around a home.
The Full-time Protection Plan covers personal liability losses, other than in an auto accident. This coverage is provided worldwide. The full-time protection plan is available to clients that use their RV 6 or more months out of the year and DO NOT own their primary residence.
Personal Effects Coverage
Personal Effects Coverage covers the full replacement cost of your personal items (from laptops and linens to attachments and accessories) in your RV. You can add more coverage to your custom RV insurance policy if you need it.
Don't let the unexpected get in the way of your RV adventure
An RV is a combination of a home and a vehicle—which presents unique risks. For example, while your home obviously can't hit a deer, your motor home certainly can. Likewise, your car is not at risk for having the water pipes burst in the winter, but your trailer is. Because of these risks, an auto insurance policy just isn’t enough. You need RV insurance to really protect your investment.
At Leavitt Group, we have the experience to evaluate your situation and provide you with the RV coverage that is right for you. Here are some important RV insurance options to consider:
- Motor home owners are required to have limited liability coverage. Towed vehicles usually have limited liability coverage through their auto policy, but this only covers injury or damage to another person or their property. It doesn’t cover you, your family, or your property. RV insurance help fills this gap.
- If you are the original owner and your RV is less than five years old, you may consider full RV replacement coverage. If your RV is destroyed within the first five years, this coverage will replace it with the same model and accessories.
- Collision coverage pays to repair your RV after an accident.
- Comprehensive coverage insures damages not caused by a collision, such as fires, flooding, or hitting a deer.
- You take a lot of your personal possessions with you in your RV. Protect your belongings with an RV insurance policy’s personal property insurance.
- If your motor home breaks down, towing it to a repair shop can be very expensive. Towing coverage is available on RV insurance policies.
- If your RV breaks down away from home, emergency coverage can give you extra peace of mind by paying for housing and transportation expenses while your RV is being repaired.
- When you are on vacation, your RV is your home away from home. Vacation home liability insurance protects you in case someone is injured in or around your RV, similar to the liability protection on a homeowners policy.
- RV insurance can provide coverage for room extensions and awnings.
- Full timers use their RVs as their primary residence, so they need insurance similar to a homeowners policy. Let your Leavitt Group insurance professional know how often you use your RV so you can get the right coverage for your needs.
Stay Safe and Protect Your RV
Before you go, make sure your RV is ready.
Many RV insurance claims could be avoided simply by remembering to check everything before you start traveling. Ensure awnings, antennas, steps, and other accessories are in their traveling positions. These can all do significant damage to your RV if they are not in place before you leave.
Staying home for the holidays? Winterize your RV.
If you don’t plan to use your RV during the winter, prepare your RV for a few idle months. Drain the water systems, cover the tires, make sure the RV is shut tight to prevent rodents or other critters from entering, remove batteries and store them where they won’t freeze, and winterize generators. These simple steps will help keep your RV protected so you won’t have costly surprises in the spring.
Give your RV tires a good kick.
Make sure your tires are properly inflated. Over or underinflated tires can both be dangerous and increase the risk of tire failure. Also, check your tires for any signs of damage and get them repaired or replaced before you have problems.
Don’t miss your RV check-ups.
Routine RV maintenance can save you time and problems while on the road. Check the roof, body, and bottom of the RV for cracks, leaks, or signs of damage. Check gas lines for signs of leakage. Examine the refrigerator, stove, sink, and other appliances for any signs of damage. Make sure your smoke detector is working and replace batteries regularly. Your owner’s manual or RV dealership should have a complete maintenance checklist for your particular motor home, travel trailer, 5th wheel, tent trailer, camper, or toy hauler.