The physical damage premium on an RV is based on the approximate market value of the vehicle. For example, a vehicle with a $30,000 value should have a premium that is three times higher than a vehicle with a $10,000 value. The amount on your policy is only a guide. Even if you insure a vehicle for $30,000, but its current value is only $10,000, you will only receive $10,000 in the event of a total loss. Therefore, make sure when you speak with your agent you give an estimate of the current value of your RV.

May 14, 2018

How is my physical damage rate determined?

The physical damage premium on an RV is based on the approximate market value of the vehicle. For example, a vehicle with a $30,000 value should […]
May 14, 2018

Is my unit an RV or a park model trailer?

Many insurance companies have no interest in insuring recreational trailers that have the wheels removed and become permanent in an RV park. Some people will build […]
May 14, 2018

When someone falls in the campfire, is that covered?

Most RV policies cover liability claims while the vehicle is in motion, or claims inside of the vehicle while parked. Claims also can occur outside the […]