RV insurance protects your investment from top to bottom. The types of RV insurance include: Vacation Liability, Full Timer's Package, Emergency Expense and more. Your RV insurance policy can also protect your traveling companions and your valuables when you're on a trip. RV insurance covers several kinds of vehicles, such as motor homes—including Classes A, B, and C; motor coaches; camper vans, travel trailers, including campers, pop-ups, fifth wheels, and toy haulers. If you’re searching for motor home insurance, travel trailers, camper insurance, camper van insurance, then an RV insurance policy is what you need.
Up to $10,000 of Vacation Liability coverage is automatically included with Comprehensive and Collision coverage. Vacation Liability pays up to the specified limits for Bodily Injury and Property Damage for which you are legally responsible as a result of an accident that occurs while the RV is used as a temporary vacation residence. Limits up to $500,000 CSL are available for Vacation Liability coverage. This coverage is only available for pleasure users.
Provides coverage similar to a homeowner’s policy and is required for people who use their RV as a primary residence, which is defined as not owning or residing in another dwelling. The Full Timer's Package includes Full Timer's Personal Liability coverage, Full Timer's Medical Payments To Others coverage, Full Timer's Loss Assessment coverage and Storage Shed Contents coverage, as defined below:
- Personal Liability — Pays up to specified limits for bodily injury and property damage for which the insured is legally responsible because of an accident. Up to $500,000 CSL coverage is available.
- Medical Payments — Pays up to $50,000 for medical expenses of others who are injured because of an accident while on the property occupied by the RV that is used as a permanent or primary residence.
- Loss Assessment — Pays up to $5,000 for certain assessments charged to the full timer while he owns or is a tenant of property in an association.
- Storage Shed Contents — Pays up to $5,000 for contents located in a shed owned, leased or rented by the insured at the time of loss.
Pays up to the specified limits for reasonable temporary living facilities and transportation expenses if the RV becomes disabled due to a covered loss. Additional coverage is available, up to $7,500. If you have Comprehensive and Collision coverage, $750 of Emergency Expense coverage is automatically included. Emergency Expense for Pleasure Users coverage pays up to specified limits for reasonable temporary living facilities, transportation expenses and the cost of returning the RV if it becomes disabled due to a covered loss more than 50 miles away from the insured's primary residence. Pleasure users also can purchase additional coverage, up to $2,000.