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RV Insurance
Many people are unaware that an auto policy is not designed to insure the
special needs of an RV owner. It's time to put your policy to the test. Determine if
you'll be properly covered in the event of a loss. Quickly compare a standard auto policy to our specialty
RV policy and print out our RV Insurance Comparison Sheet to help you evaluate your options when shopping for RV insurance.
Consider the following coverage features:
Total Loss Replacement CoverageYou receive full replacement value on your RV in the event of a total loss, protecting your investment from the effects of depreciation.
Purchase Price CoverageThis coverage is available for vehicles fewer than 10 model years old and pays the vehicle's purchase price in the event of a total loss.
Agreed-Value CoverageIdeal for bus conversions, classic coaches, and totorhomes (medium-duty trucks converted into motorhomes). This feature locks in the value of your vehicle up front with a qualified appraisal or bill of sale.
Disappearing DeductiblesReduces your comprehensive and collision deductibles by 25% for each year that you remain claim-free. If a loss occurs after four claim-free years, you pay no deductible. After a loss the deductible amount resets to your selected level.
Personal Contents CoverageCovers items that you take onboard your RV - such as housewares, tools, clothing, and sporting equipment - for their full replacement value. Although a homeowner's policy may provide coverage, there are often limitations to coverage for property used away from home or kept in storage, or for belongings damaged in a collision. Our specialty RV policies cover damaged or stolen items at full replacement cost.
Unlimited Towing & Roadside AssistanceProvides sign-and-drive coverage 24 hours a day, 365 days a year including battery jumpstarts, fuel delivery, flat-tire change, lockout service, and winching and towing for mechanical or electrical breakdown. Our unlimited coverage also extends to your tow vehicle when it's being used in conjunction with your RV.
Emergency Expense AllowanceReimburses you for expenses incurred following an accident or other covered loss. Pays for hotels, transportation or even a ticket home if your RV is unusable.
Full-Timer CoverageProvides comprehensive personal liability and additional personal contents and living expense coverage for those living full-time in their RVs, ensuring you have the right insurance protection for your home on the road.
Campsite Liability Pays for bodily injury or property damage to others occurring at your campsite if you're liable.
NEW! We have expanded our RV insurance program to include RVers who use their RVs to conduct business or travel from one business opportunity to the next.
Coverage information and definitions are general explanations and are not representative of all exclusions
and conditions. All insurance coverage is subject to the terms and conditions of the policies issued.
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Consider This...
A standard auto policy covers the bare bones of your RV and RV lifestyle.
A specialty RV policy can provide much more protection and may even cost less. Consider This...
What do you expect your insurance company to pay you if your RV is totaled?
With Total Loss Replacement Coverage from Aon Recreation Insurance, in the event your vehicle is totaled, you'll receive a "new for old" RV if you decide to replace your vehicle - depreciation is not a factor. |