Guaranteed Total Loss Replacement If you have a model year RV, you may be eligible for Total Loss Replacement. Total Loss Replacement Explained... If your RV is destroyed within its first five model years, this coverage will ensure that you get a brand new RV- even if it costs more than you paid for the original unit! This coverage is a great way to protect your rving investment from the effects of depreciation. during model years 6 through the life of your policy our companies will pay the original purchase price toward the cost of a new rv. automatic coverage for accessories our companies automatically cover attached accessories such as awnings, satellite dishes, and air conditioning units. high liability limits our rving policies start with your liability coverage at: $100,000 each person $300,000 per accident $50,000 property damage. optional coverages: up to 1 million dollars of liability coverage.

most auto policies won''t replace stolen or damaged personal property. if you insure your rv on your auto policy, it typically doesn''t include coverage for clothes, cameras, tools, bicycles, dishes and other personal property. that''s the job of your homeowners policy. unfortunately, only 10% of your homeowners personal belongings insurance limit can typically be used to cover off-premises rving property (i.e., in your rv). that may not be enough. plus, you may be stuck paying a $250 or higher deductible. specialized recreation vehicle insurance policies should provide high limits for personal property, a zero deductible on belongings coverage, plus optional replacement cost coverage so you can replace stolen or damaged items with new items of similar kind and quality. attached accessories may not be covered. if you add awnings, antennas, a satellite dish or other attached accessories to your motor home or trailer after you buy it, many insurance policies won''t cover them. unfortunately, these expensive items are commonly damaged. make sure you buy a policy that covers these items, even if you add them after you buy the rv.

like the rvs they protect, recreation vehicle insurance policies differ by company. coverages vary. claim expertise does too. even if you only use your rv for occasional weekend trips, your recreation vehicle insurance purchase decision should be based on which company provides the best long-term value - a mix of coverage, experience and price. carefully consider the points listed below. the right choice now could save you plenty of headaches and money later. insuring your rv on your auto policy could leave you exposed. many rv owners choose to insure their rv on the same policy as their car, even though an auto policy was never designed to insure such specialized equipment. be careful. most auto policies don''t include important coverages that rvers like you need. what''s more, even minor rv claims can dramatically boost your entire auto insurance bill. buying a separate, specialized motor home or trailer policy avoids this risk.

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