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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