Specialty RV Insurance Coverages
There are a number of specialty coverages available, designed to protect
you and your property. Specialty RV coverages are what differentiates RV policies from auto policies. Adding your
RV to your auto policy is inadequate because it fails to cover many of the things included in a specialty RV
policy. For example, most RV insurance provides coverage for awnings, furniture, permanently installed items and
fixtures, and plumbing and electrical systems unique to RVs.
Typical RV policies also provide unlimited towing and roadside labor coverage. Auto policy towing coverage is
often inadequate for RV expenses. With most auto policies, the towing reimbursement is usually on a per occurrence
basis. Because the fees to tow an RV or to change an RV tire are much higher than the same for an auto, these fees
often exceed the per occurrence limits on an auto policy.
Another consideration for RV owners is that they get the benefit of specialized claims service when they choose
to insure their RVs with specialty RV insurance as opposed to having RVs put on auto policies. The adjusters
assigned to claims by insurance companies with specialty RV products usually have expertise with RVs, losses to
RVs, and settling the value of the loss. Let’s take a look at some more of these specialty RV coverages available
- Diminishing Deductible – Under this coverage your physical damage deductibles could be reduced 25%
for each claim free year you have with the company. After four claims free years, your deductibles would be $0.
Any comprehensive or collision losses would reset the deductible.
- Emergency Vacation Expense coverage- is also unique for specialty RV policies. This provides
coverage to pay for temporary living expenses if your RV is inoperable due to a covered loss and you are more
than 50 miles from your home.
- Vacation Liability – Provides campsite liability for you while you are using your recreation vehicle
as a vacation residence. For example Vacation Liability could cover damage caused by your campfire if it gets
out of control or if you accidentally hit someone with a horseshoe.
- Fulltimer’s Coverage’s- This is very important coverage to insured’s who use their RVs year round as
There are three Fulltimer Coverage’s available:
- Personal Effects – provides coverage for loss to personal belongings used in conjunction with the
- Mexico Physical Damage Coverage– Provides comprehensive and collision coverage for the insured
vehicle while traveling in Mexico. The insured is required to purchase Mexican liability coverage too.
- Mexican Liability Coverage- While most RV insurance provides physical damage coverage while
traveling in Mexico, it does not provide Mexican Liability Coverage. When traveling in Mexico by auto or RV,
you must have Mexican Liability Coverage from a Mexican Insurance Company, which you can buy from US-based
brokers or at the border. Type this link into your Internet web browser to read a very informative article by
Jim Labelle, about properly insuring yourself to travel south of the border.
- Schedule Personal Effects Coverage- Provides coverage for the loss of expensive personal belongings
used in conjunction with the RV. The insured must have appraisals for these items.
- Adjacent Structure coverage may be available for storage sheds, screened rooms, or carports on owned
or rented lots.
In addition, you may be able to get coverage for roadside assistance, a utility trailer, a golf cart, or
Your RV insurance can and should fit your RV. To get a free RV insurance quote with absolutely no obligation, I
recommend Explorer RV Insurance Agency, Inc. you can call 1-888-774-6778.
Copyright 2006 by Mark J. Polk owner of RV Education 101
How to Buy RV Insurance