Motor home and trailer policies include the basics like collision goodsams and comprehensive (also known as "other-than-collision" or "all-other-loss") coverages. But they don''t stop there. A RV policy picks up where most ordinary auto policies leave off. The following illustrate how much protection a policy delivers. Protect your new RV with total loss replacement coverage. Own or buying a new model RV? Ask about total loss replacement coverage. If your RV is destroyed within its first five model years, this coverage will ensure that you get a brand new replacement of similar make and model - even if it goodsams costs more than you paid for the original unit! Special coverages for full-time RVers and stationary trailer owners. We offer special coverages for full-time RVers who use their rig as a residence. Similar to a homeowners policy, our full-timer package includes comprehensive personal liability (CPL) protection, goodsams which provides coverage in case you are sued pr damage someone else''s property.

Coverage varies by state, therefore your coverage may vary from the descriptions listed below. These descriptions do not constitute a contract. Your policy is your contract so please read it carefully. A+ Rated Companies Total Loss Replacement High Liability goodsams Limits Branch or Overhang Collision with Vehicle Theft Flood Fire Windstorm Emergency Expenses Roadside Assistance Vacation goodsams Liability Personal PropertyTheft Damage by Stray Animals Vandalism Damage goodsams Accessories Coverage Full Timer Coverage Coverages Provided by our A+ rated Companies Unless you have our "Good Times Protection" package, you could be in for an unpleasant ordeal should you experience a loss with your RV. Your auto and homeowner''s policies may not cover such items as appliances, plumbing or accessories. Emergency expenses incurred while traveling would undoubtedly come out of your own pocket. Our A + rated companies provide coverages far above and beyond the modest coverage provided by your auto insurance company. The following descriptions are designed to be general guidelines only. These descriptions do not constitute a contract.

Most auto policies won''t replace stolen or damaged personal property. If you insure goodsams your RV on your auto policy, it typically doesn''t include coverage for clothes, cameras, tools, bicycles, dishes and other personal property. That''s the job of your homeowners policy. Unfortunately, only 10% of your homeowners goodsams personal belongings insurance limit can typically be used to cover goodsams off-premises property (i.e., in your RV). That may not be enough. Plus, you may be stuck paying a $250 or higher deductible. Specialized Recreation vehicle insurance policies should provide high limits for personal property, a zero deductible on belongings goodsams coverage, plus optional replacement cost coverage so you can replace stolen or damaged items with new items of similar kind and quality. Attached accessories may not be covered. If you add awnings, antennas, a satellite dish or other attached accessories to your motor home or trailer after you buy it, many insurance policies won''t cover them. Unfortunately, these expensive items are commonly damaged. Make sure you buy a policy that covers these items, even if you add them after you buy the RV.

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