Conveniences range from the basics -- like running water, cooking and bathroom facilities, and a power source (either electricity or liquid propane) -- to added comforts such as air conditioning, entertainment systems and slideout rooms. RVs fall into two general categories: Towable RVs An RV designed to be towed by a motorized vehicle (car, van or pickup truck) and of such size and weight as not to require a special highway movement permit. Towable RVs do not require permanent on-site hook-up. Click on an RV for more information. You probably don''t think about having to make a claim when you purchase insurance. But having "peace of mind" when you travel is exactly why you buy it. One easy way to narrow your choices is to only consider insurance companies that have RV claim expertise. Most don''t because they focus on life, auto or homeowners motorhomervs insurance and therefore spend less time handling motor home and trailer claims.

Like the RVs they protect, Recreation vehicle insurance policies differ by company. Coverages vary. Claim expertise does too. Even if you only use your RV for occasional weekend trips, motorhomervs your Recreation vehicle insurance purchase decision should be based on which company provides the best long-term value - a mix of coverage, experience and price. Carefully consider the points listed below. The right choice now could save you plenty of headaches and money later. Insuring your RV on your auto policy could leave you exposed. Many RV owners choose to insure their RV on the same policy as their car, even though an auto policy was never designed to insure such specialized equipment. Be careful. Most auto policies don''t include important coverages that RVers like you need. What''s more, even minor RV claims can dramatically boost your entire auto insurance bill. Buying a separate, specialized motor home or trailer policy avoids this risk.

Guaranteed Total Loss Replacement If you have a model year RV, you may be eligible for motorhomervs Total Loss Replacement. Total Loss Replacement Explained... If your RV is destroyed within its first five model years, this coverage will ensure that you get a brand motorhomervs new RV- even if it costs more than you paid for the original unit! motorhomervs This coverage is a great way to protect your investment from the effects of depreciation. During model years 6 through the life of your policy our companies will pay the original purchase price motorhomervs and motorhomervs toward the cost of a new RV. Automatic Coverage for Accessories Our companies automatically cover attached accessories such as awnings, satellite dishes, motorhomervs and air conditioning units. High Liability Limits Our policies start with your liability coverage at: $100,000 Each Person $300,000 Per Accident $50,000 Property Damage. Optional coverages: Up to 1 Million dollars motorhomervs of liability coverage.

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