RV, Trailer & Toy Hauler Insurance

Stated Value Loss

Stated Value Loss coverage is a predetermined, stated amount that you will receive to replace your RV in the event that it is totaled. The amount is based upon replacing your old RV with a comparably-equipped RV rather than using “Actual Cash Value” at the time of loss. (NOTE: Coverage availability may vary by state and vehicle value.)

Replacement Cost Personal Effects

Most RVs have many valuable personal items inside. Replacement Cost Personal Effects coverage reimburses you for the value of personal items inside your RV that are lost or damaged as the result of a covered loss.

*Depending on the state in which the RV is rated, insurance policies automatically include $5,000 worth of Replacement Cost Personal Effects coverage.

*Additional limits of coverage are available up to $100,000.

Vacation Liability

Vacation Liability coverage protects you in the event that bodily injury or property damage losses occur at your vacation site. Policies generally include $10,000 of Vacation Liability Coverage.

Emergency Expense Coverage

Emergency Expense coverage pays you for expenses including hotels and transportation that arise as the result of a covered loss.

Special Windshield Deductible

Special Windshield Deductible coverage protects you from having to pay for RV windshield repair. There will be no charge for RV windshield repair and a $50 fee for RV windshield replacement.

Medical Payments Coverage for RVs

Depending on the type of RV you are insuring, you will have 1 of 2 types of medical payment coverage:

• TYPE 1: Recreational Vehicle Medical Payments Coverage: This type of coverage pays for the cost of any necessary medical treatment related to a covered loss that occurs while your RV is parked off public roads and is being used as a temporary dwelling or for recreational purposes at an insured location. Insured locations are defined as:
  • A campsite or parking site rented or owned by the customer.
  • Vacant property rented or owned by the customer.
  • A radius of 25 feet around the vehicle when parked off public roads and legally on public or private property.
• TYPE 2: Medical Payments Coverage: This type of coverage pays for the cost of any necessary medical treatment that is necessary as a result of a covered loss from an RV accident, regardless of fault. This coverage applies only to motor homes, not travel trailers.