I am a Licensed P&C Agent with over 26 companies. Here is a rundown on what to look for in RV Insurance. Here is a breakdown on what you get with a Progressive policy which I consider the best company for these reasons.
1: Go with a company that does a separate RV Policy, not a add on to your car insurance
2: Full total loss replacement: You can only select this for newly purchased RVs one model year old or newer. If it’s totaled within 5 model years, you will get what it costs to buy a brand new RV (similar model). And yes, that’s the full cost, even if it costs more than what you originally paid for your RV.
Once your RV is outside the five-model year window, we will give you the original purchase price you paid for your RV (this will always be in writing in your policy documents).
Agreed value: We offer this for select RVs. With this, you basically tell us the value of your RV, and together we’ll agree on a payout number for a total loss. The agreed value will always be in writing in your policy documents, and we won’t depreciate or change this value for up to 10 policy periods.
Market value: You can select this no matter how old your RV is. We’ll give you cash for your RV’s estimated market value.
3: Full Time Rv insuraance is tricky, most companies do not write it, Progressive does
4: Emergency expense:If your travel plans are interrupted, Progressive will give you up to $750 for transportation and hotel expenses. If you’d like you can add more coverage
5:Vacation liability : This pays for injuries that happen at your vacation site, in your RV or the area around your RV up to $10,000. You can add more coverage if needed.
6:RV roadside assistance: If your RV breaks down (within 100 feet of the road), we’ll pay to tow you to the nearest repair shop.
You pay nothing out of pocket. 7: Full coverage for belongings & personal items: You can get full replacement cost for belongings inside your RV up to $99,000. Replacement cost means that we will give you what it costs to buy new belongings and not the depreciated, estimated value of used items.
8: Besides Comprehensive & collision, Personal Liability and Medical Payments these are the main features of a GOOD RV Policy
PS: Yes I have a Progressive RV Policy and I had access to over 15 companies to choose from.
Go here to read up on all of the features offered by Progressive:
https://www.progressive.com/rv/rv-coverages/I hope this helps
James Deane
