Total Loss Replacement Settlement

If your RV is ever declared a total loss, this coverage ensures you are not left settling for a depreciated payout. Instead of calculating value based on age and mileage, your insurer will replace your RV with a new, comparable model of the same make and year. This option is ideal for owners of newer RVs who want full protection against value loss.

Agreed Value Settlement

Rather than leaving your payout to a depreciation formula after an accident, Agreed Value Settlement locks in a value for your RV at the start of your policy. If a total loss occurs, you receive the full agreed-upon amount, giving you predictable protection and one less number to worry about when the unexpected happens.

Disappearing Deductibles

Reward yourself for safe travels. With Disappearing Deductibles, your out-of-pocket deductible amount shrinks a little more with every year you go without filing a claim. Over time, this can significantly lower what you would need to pay toward a covered claim, making careful, claim-free RVing pay off in real savings.

Emergency Expense

When a covered claim leaves your RV undrivable or uninhabitable, this benefit steps in to cover the cost of hotel stays and meals while repairs are underway. It is designed to keep an unexpected breakdown or accident from turning into a financial burden on your trip, so you can get back on the road with less stress.

Personal Effects

Your RV is filled with more than just the vehicle itself, from clothing and electronics to cookware and other personal belongings that travel with you. Personal Effects coverage protects these non-permanently attached items if they are lost, stolen, or damaged, so you are not stuck replacing everything out of pocket after a covered incident.

Vacation Liability

Even when you are parked and settled in at a campground, accidents can still happen. Vacation Liability extends your protection to cover injuries that occur in, on, or around your RV while it is stationary at a campsite, giving you peace of mind whether you are on the move or enjoying the great outdoors.

Full Timers Liability

Designed for those who live in their RV full-time, this coverage functions much like homeowners liability insurance. It follows you wherever your travels take you, protecting you against liability claims no matter where you are parked, so full-time RVers get a level of protection similar to traditional homeowners.

Pest Damage Protection

Wildlife and pests can cause surprisingly costly damage to an RV’s wiring, insulation, and interior. Pest Damage Protection covers repairs needed after birds, rodents, insects, or other vermin get into your vehicle and cause damage, helping you avoid an unexpected repair bill from an uninvited guest.

Roof Protection Plus

Your RV’s roof takes a beating from sun, weather, and general wear over time. Roof Protection Plus covers the cost to repair or replace a damaged roof, including harm caused by ordinary wear and tear, and extends to additional damage elsewhere in the RV that resulted from a roof failure.