Insurance for your recreational vehicle ( RV ), towable camper, travel trailer, or motor home is different from car insurance. Whether you’re driving it, parking it at a campsite, or claiming it as your primary residence and living in it at least 6 months in a year or year-round (Full-timer's RV Insurance), we can help protect the investment you’ve made in your RV.
Types of Coverage for Both Recreational and Full Time
Emergency expense coverage can help pay for transportation and hotel expenses due to a covered loss while traveling.
Small Accident Forgiveness
Your premium may not go up if the claim cost is less than a specified amount on your policy.
Large Accident Forgiveness
Your premium may not go up if you have been with us for a specified time period and if you have not filed a claim within a certain amount of years in that time period.
Fire Department Service Charges
Your insurance coverage may pay up to a certain amount of costs if a fire department charges you for being called.
Motorhome Trailer Coverage
Trailer coverage pays for physical damage to a utility trailer when it is on or off the road.
Pet Injury Coverage
Pet injury coverage pays up to certain amount of costs if your dog or cat is injured during a covered accident.
Comprehensive & Collision
Comprehensive and collision coverage pays for damages to your recreational vehicle caused from accidents or other events including flooding, theft, falling tree limbs, etc.
Bodily Injury & Property Damage Liability
Bodily injury and property damage liability coverage pays for injuries to other drivers / passengers or for damages to other vehicles. Legal expenses may also be paid for if you are sued for injuries to other drivers or passengers.
Uninsured / Underinsured Motorist
Uninsured / Underinsured motorist coverage protects you if another driver hits you and that driver doesn't have insurance or cannot afford to pay for your damages. Uninsured motorist coverage can pay for your injuries / medical bills and any lost wages if you are unable to work. Uninsured property damage coverage pays for any damages to your recreational vehicle..
Medical payments coverage pays for you or your passengers’ injuries and medical bills in the case of an accident, no matter who is at fault.