There’s a motor home for just about any taste and budget. You might have something basic — just enough to add a few amenities to your camping trips. Perhaps you retired, sold the house and travel full-time in a luxuriously outfitted 40-foot RV. Maybe you split the difference with a Class C motor home you can easily store in your driveway.
What Does Recreational Vehicle Insurance Cover?
RV insurance policies cover direct and accidental physical damage to a motor home, including permanently installed accessories such as: awnings, antennas and satellite dishes. The range of includes — but isn’t limited to — collision, lightning, flooding, landslides, wind and hail, wild animals, fire and smoke, vandalism and theft, and trees and overhangs.
A standard Farmers RV insurance policy may help with potential risks like these:
A low-hanging branch causes damage
As you’re pulling into the campground, a low-hanging branch damages your satellite dish and cracks a skylight.
You don’t see an obstacle behind you
While backing your RV into a parking spot, you don’t see low concrete poles protecting the water hookup. The collision leaves your motor home with a crumpled bumper and broken spare tire cover.
Your motor home has flood damage
You’re parked next to a river that floods unexpectedly after a heavy rainstorm — leaving your motor home sitting in three feet of water.
You can also customize your RV insurance coverage with a number of options:
- Total Loss Replacement coverage can help if your new motor home is declared a total loss within the first five years — providing a brand new replacement of a similar kind and quality.
- Emergency Expense coverage can help with the cost of lodging or travel if your motor home is damaged more than 50 miles from home.
- Campsite/Vacation Liability coverage can help when a motor home is parked and used as a vacation residence.
- Replacement Cost coverage can help if personal belongings are destroyed or stolen.
- TraveLine® Towing and Roadside Assistance can help with towing, tire changes, fluid delivery and locksmith services.
- Full-Timer coverage can help with personal liability protection when your motor home is parked and used as a dwelling for an extended period of time.
Contact us today for a free quote!