RV Articles

RV vs. Auto Policy

There are staggering differences between the RV insurance coverage available from a specialty RV insurance agent and an auto insurance agent. Don't risk big out-of-pocket expenses that can result from underinsuring your RV with your auto agent!
 

Read the chart below to see all the additional coverages you'll get through AIS RV. Many times, a specialty RV policy costs the same as an auto insurance policy-you just get more coverage by choosing the policy that was made specifically for your RV.

 

 

Policy Features

 

RV Specialty Coverage 
Offered through AIS RV

 

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.

 




Disclaimer: The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

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