Recreational Vehicle vs. Auto Insurance

Don't risk being caught on the road, in a bind, with a policy that doesn't cover your RV. There are vast differences between RV insurance coverage available from a specialty RV insurance agent and an auto insurance agent. Call AIS today to get a quote on a specialty RV policy that won't leave you underinsured.

Read the chart below to see all the additional coverages AIS California RV insurance can offer. Often, a specialty RV policy costs the same as an auto policy. Though your coverage is tailored to your RV.

Policy Features		RV Coverage Through AIS		Basic Auto Coverage
Total Loss Replacement		Protects your investment from the effects of depreciation. After a total loss, you receive full replacement value on your RV. After five model years you receive purchase price coverage.		Rarely available and typically limited to only one year of coverage.
Purchase Price Coverage		Purchase price is paid if a total loss occurs.		Not Available
Agreed Value Coverage		Ideal for bus conversions and restored motor homes (RV). For total losses, pays the agreed-upon vehicle value as predetermined by a qualified professional appraiser or bill of sale.		Not Available
Full-Timer Coverage		Comprehensive personal liability, expanded personal contents and living expenses coverage.		Not Available
Personal Contents		"New for old" replacement cost coverage on damaged or stolen belongings.		Not Available
Emergency Expenses		Reimburses for transportation and lodging if RV is unusable due to a covered loss.		Not Available
Campsite Liability		Pays for expenses resulting from injuries occurring at your campsite if you're liable.		Not Available
Towing and Roadside Assistance		Unlimited mileage and occurrences Towing service done by motor home (RV) experts, and no deductible applies "Sign and Drive" service, which means no out-of-pocket expenses 24-hour toll-free number accessible from U.S. for dispatching.		Typically limited to $50 or $100 of coverage on reimbursement basis with no dispatching.
Disappearing Deductible		Your comprehensive and collision deductibles are reduced 25% each year you're claim-free. After four claim-free years you pay nothing on your next claim.		Not Available
Mexico Coverage		Comprehensive and collision coverage extends to Mexico when Mexico vehicle liability coverage is maintained.		Not Available
Golf Carts		Liability coverage for your golf cart while you are at campgrounds, RV rallies or other activities associated with your motor home (RV).		Not Available
TV Antennas, Awnings, Cabanas, Satellite Dishes		Automatically covered, less deductible		Possible endorsement, usually an extra cost.
Tow Dolly and Trailer Coverage		Automatically covered, less deductible		Not Available
Specialty RV Claim Handling		Should you need to file a claim, you'll work with a specially trained adjuster who fully understands RVs.		You risk having your claim handled by an auto adjuster.