If you own a home, you can buy a homeowners policy that will pay to replace your home if it''s destroyed. Unfortunately, most Recreation vehicle insurance RVers policies don''t offer this option. by purchasing this coverage, you''ll be able to replace your rv with a brand new one of like kind and quality if it''s destroyed. if you own a new rv, or are thinking of buying one,t his coverage is a great way to protect your inventment from the effects of depreciation. why the financial condition of the company is important. most people don''t ask about the financial stability of their insurance company. you should. after some insurance companies went out of business. how can you tell which companies are financially strong? listen to the opinion of the nation''s leading independent insurance company rating organization. companies with an "a" (excellent) or "a+" (superior) rating are good choices. ask your agent about your company''s a.m. best rating.

emergency expense coverage is typically not provided. ordinary auto policies exclude coverage for emergency expenses if you can''t stay in your rv due to a covered loss. check to see that the policy you purchase includes this coverage, and has realistic limits to cover expenses for lodging, meals or travel home - costs which can easily top $100 per day. towing and roadside assistance programs are not all the same. you can get towing and roadside assistance as part of your insurance policy, or you can buy it separately from a service provider. while some insurance policies include towing coverage, they only offer you a $50 or $100 limit. that may not be enough to tow a large rv. many rvers don''t provide toll-free dispatching service to find you help when you rvers need it, and cost upwards of $80-$100 per year for rvs. fied repair facility is located. not all companies offer a total loss replacement coverage option.

motor home and trailer policies include the basics like collision and comprehensive (also known as "other-than-collision" or "all-other-loss") coverages. but they don''t stop there. a rv policy picks up where most ordinary auto policies rvers leave off. the following illustrate how much protection a policy delivers. protect your new rv with total loss replacement coverage. own or buying a new model rv? ask about total loss replacement coverage. if your rv is destroyed within its first five model years, this coverage will ensure that you get a brand new replacement of similar make and model - even if it costs more than you paid for the original unit! special coverages for full-time rvers and stationary trailer owners. we offer special coverages for full-time rvers who use their rig as a residence. similar to a homeowners policy, our full-timer package includes comprehensive personal liability (cpl) protection, which provides coverage in case you are sued pr damage someone else''s property.

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