With an RV you don't have to worry about cars and hotel rooms and you can just pick up and go, allowing you to see the many sights our great nation has to offer. Just like your regular vehicle, your RV comes with the responsibility to protect and secure it from the dangers of the roadways. Your RV is more than a car, and your RV insurance coverage should protect more than what typical car insurance does. Rather than add your RV to your auto policy, consider RV insurance coverage with an RV policy.

When you insure your RV on its own policy, you'll know you have a wide range of RV insurance coverage for a wide range of incidents.

Purchasing enhanced Motorized RV and Towable RV Insurance policies provide you with several different coverages.

• Total Loss Replacement

  Provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years. When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price. After the seventh model year, the settlement is on an actual cash value basis.

• Replacement Cost Personal Effects

  Pays for the replacement of your personal items in your RV that resulted from a covered loss. $5,000 of Replacement Cost Personal Effects coverage is automatically included at no additional cost with Comprehensive and Collision coverage.

• Vacation Liability

  Pays for Bodily Injury and Property Damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.

• Emergency Expense coverage

  Pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.

• Special Windshield Deductible

  Charges nothing for RV windshield repair, and $50 for RV windshield replacement.

• Recreational Vehicle Medical Payments coverage

  Pays the cost for necessary medical treatment that is caused in an RV accident, regardless of fault.

Most motorized recreational vehicles are covered including Type A motor homes, Type B motor homes (van campers) and Type C motor homes (mini motor homes), as well as sport utility recreational vehicles.

We also provide insurance coverage for towable RVs, including: conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends, folding camper trailers and truck campers.