RV there yet?
We know that there might seem like lots of different types of insurance. But this enables us to design a policy specifically for your needs.
Here’s what our RV & Trailer insurance covers:
On newer trailers and RV’s, you’re going to want replacement cost coverage. What this means is if you have a claim, you will get the value of what your trailer is worth so you can purchase the same kind of trailer or RV without suffering a huge financial loss.
Actual Cash Value
If your trailer or RV is older, replacement cost coverage is not offered. However, you will get Actual Cash Value coverage. What this means is you will receive what your trailer is worth minus consideration for things like wear and tear and depreciation.
If someone gets injured in your RV or while loading something onto you trailer, this coverage will protect you from lawsuits. Permanently parked motor homes and trailers qualify for this coverage. Liability could cover things like medical bills, rehabilitation, lost earnings, legal fees, and other expenses up to the limit of your policy. We always recommend carrying $2,000,000 liability just in case you end up with a large lawsuit on your hands.
We know you will have belongings travelling with you, which is why contents coverage is offered on most trailer and RV policies. This way you don’t have to put a claim in on your home or renters insurance policy, causing those premiums increase for the next 5 years.
Detached Private Structures
If your RV or trailer is permanently parked and you have a detached structure, like a shed or gazebo, this portion of your policy can extend to cover these buildings should anything happen to them.
No proof of home insurance required.
While we hope you have your home well insured, we don’t require proof of insurance to put together an exceptional RV or Trailer insurance policy for you. Need a payment plan? We can do that too.