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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.
Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years. It could save you thousands by protecting you from depreciation.
Storage Options
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
National General features Personal Effects Coverage that automatically insures the belongings in your RV for up to $3,000 and you can always add more coverage if you need it.
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.