RV insurance isn’t the same thing as auto insurance, though many providers give you the option to bundle the two. But RVs have specialized concerns. To start, they can carry many more people than cars, and they cost more to repair. In addition to basic coverage, RV insurance can also offer more extensive protection, with coverage for personal belongings, emergency expenses for lodging, and higher damage rates.
Over the nearly fifty years since it started offering its services to RV owners, the Good Sam Insurance Agency has prided itself on providing consumers an excellent customer experience. The company’s agents are extensively trained to ensure that every customer finds the type and level of coverage that best fits their RV lifestyle, but also that they get treated with the utmost respect and friendliness.
Farmers offers coverage for travel trailers and fifth wheel trailers in addition to RVs, as well as a special program for customers who use them as part- or full-time residences. The Stationary Travel Trailer Program offers comprehensive, liability, and medical payments coverage for customers who reside in their trailer seasonally or permanently. All of Farmers’ optional coverage options for RVs also apply for trailers. What’s more, if your trailer is towable, Farmers will insure your tow vehicle.
Insurers don't determine your actual cash value (ACV) settlement based on what you owe, but rather on what the car is worth just prior to the accident. Let's say you owe $20,000 on your new car, but it's only worth about $16,000. If your car is totaled, you might get a settlement check of $16,000 but still owe an additional $4,000 on your loan or lease.
Auto insurance premiums depend on the insured party's driving record. A record free of accidents or serious traffic violations typically results in a lower premium. Drivers with histories of accidents or serious traffic violations may pay higher premiums. Likewise, because mature drivers tend to have fewer accidents than less-experienced drivers, insurers typically charge more for drivers below age 25.
One of Progressive’s add-on coverages includes a “disappearing deductible” option. This means that each year you don’t file a claim, Progressive will drop your rate by 25%. With this method, the company boasts that you could eventually have a $0 deductible. But it only stays this way as long as you haven’t filed a claim — if you do, your deductible will go right back up. Safeco also incentivizes safe driving with low deductibles. Safeco will reduce your collision deductible by $100 each year you don’t have a claim, but this incentive caps at $500.
Do you live in your RV full-time, or does it sit in storage for most of the year? Do you have any permanent attachments like a satellite dish? Every company offers basic RV coverage, but the right provider for you also offers the set of add-ons that speaks to your main concerns, whether it’s full-time residency insurance or roadside assistance. Our top picks all have plenty of add-ons in addition to basic coverage.
State Farm boasts a solid score in J.D. Power’s Customer Claims Satisfaction rating among our top picks (three out of five) and sits above industry average. That means that once you do file a claim, you can expect a smooth experience. If a positive customer experience is especially important to you, State Farm is likely to deliver superior service.
While State Farm’s website recommends speaking with an agent to see what discounts are available to you for motorhome insurance, it doesn’t list any universal discounts. It’s still possible to save on your premiums, but there’s less transparency about what you may qualify for. If discounts are important to you, it’s best to get clarity from a State Farm agent on what to expect before signing up.
The key difference in collision vs. comprehensive coverage is that, to a certain extent, the element of the car driver's control. As we have stated before, collision insurance will typically cover events within a motorist's control, or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," that are typically out of your control when driving. These can include such events as a spooked deer, a heavy hailstorm, or a carjacking.
Basic coverage — which is required by law — offers you protection for personal injuries and damages to the vehicle, but it won’t cover extras like your belongings inside. If you live in your RV full-time, it might also be a good idea to invest in additional protection that covers your housing expenses or RV replacement costs. Before shopping around, draw up a list of necessary coverage options and make sure they’re offered by your prospective provider.
It’s more than a car and it’s not quite a house, which is why it can be so challenging to find the right coverage for your home on wheels at an affordable rate. So, whether you need RV insurance, motorhome insurance or trailer insurance, the AARP® Auto and Homeowners Insurance Program1 from The Hartford offers specialized protection for your home-sweet-home away from home.
The coverage options that Good Sam’s Full Time RV Insurance provides include but are not limited to: personal liability, which is similar to vacation liability and pays for injuries that happen around the RV or on the customer’s property; medical payments to others, which covers the costs of medical expenses incurred by those who are injured while visiting the RV and/or the property around it; personal belongings coverage, which provides up to $3,000 of full replacement cost coverage at no extra cost; and an emergency expense allowance, which covers the costs of food and lodging if the customer is ever involved in a covered claim more than 100 miles from their home.