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What happens when somebody totals their RV?

What happens when somebody totals their RVWhen you’re using an RV as a residence, you need the right mix of coverages to protect the RV as both a vehicle and a home. We have contracted with the carrier that has designed an RV insurance to specifically address the needs of RV owners.

Whether you have an old pop-up or a new motor-home, if the RV is totaled, our carrier has you covered. Because types of RVs and their styles vary so much, we know that different customers need different coverage options.

We offer:

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  • Total Loss Replacement – replaces a totaled RV, up to five years old, with a similar vehicle. Outside of the first five years, you will get the full original purchase price with no depreciation
  • Actual Cash Value – settlement based on the current market value of the vehicle
  • Agreed Value – designed for highly customized and unique RVs where Blue Book value is difficult to determine
  • Purchase Price Guarantee – covers the full cost to replace a totaled RV, up to ten years old, with a similar vehicle valued up to the full original purchase price with no depreciation
  • Enhanced Replacement – additional settlement payments up to 20% above the current market value to replace your totaled RV

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We want to be a top choice for insuring your Recreational Vehicle / Motor Home.