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RV Insurance.com Frequently Asked Questions
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Frequently Asked Questions

Looking for an answer to a question you have about RV Insurance? Browse through our frequently asked questions to find an answer. You might learn something helpful about RV Insurance that you didn’t already know. Still have questions? Call 1-866-646-1755 and ask one of our RV Insurance experts directly. They’re on-hand to help you find the right insurance coverage for your RV. As we get questions from our customers, we’ll keep this section updated so you can stay in-the-know.

 

 

 

 

Q: Who is RVInsurance.com?

A: RVinsurance.com is an RV insurance agency specializing in matching RV insurance shoppers with the right RV insurance protection at the right price. RVInsurance.com has been in business for over 10 years and features highly skilled, licensed sales professionals who understand the needs of RVers. You can get a no-obligation RV insurance quote online or by calling us at 1-866-646-1755. Our RV insurance agents will be able to provide you with rates from up to five leading carriers who offer specialized RV coverage.

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Q: Can I bundle my RV with my tow vehicle or automobile if they are currently on separate policies?

A: Yes, tow vehicles or tow-behind vehicles are eligible to be included on the same policy with the RV. Common scenarios include hauling pickup trucks, towing travel trailers, fifth wheel trailers, toy haulers etc. Standard autos being towed behind a motorhome are also quite common to be insured on a single policy.

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Q: What options do I have to get a quote on my RV?

A: Get an RV quote online by clicking here. Or, you can call and speak to an RVinsurance.com agent directly by calling 1-866-646-1755. They will provide you with rates and coverage options from as many as five leading carriers in the RV insurance industry. The agents with RVInsurance.com are RV insurance experts who will be able to answer any questions you have and help you figure the coverage you need for your RV.

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Q: How long does it take to get a quote from RVinsurance.com?

A: The online quote form takes less than 10 minutes. Quotes can be purchased online or saved and retrieved later by you or an agent from Rvinsurance.com. Click here to start an online quote. The Rvinsurance.com agent has the ability to quote up to five carriers at once.

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Q: What is Personal Effects coverage?

A: Personal effects coverage protects non-permanently attached assets within an RV. Common personal effects are jewelry, personal electronics, clothing etc. Some carriers include up to $3,000 in personal effects coverage at no charge, provided comprehensive coverage is purchased. You will always have the option to purchase additional personal effects coverage to meet your needs.

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Q: Can I get insurance coverage for the personal stuff inside my RV or motorhome?

A: Yes, it's called Personal Effects Coverage and, in most states and carriers, up to $3,000 is included on a policy at no extra charge.

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Q: Do I really have to pay for insurance on my RV or motorhome when I'm not even using it? Like, when it's put away for months during the off-season?

A: Some carriers offer what's called the "Storage Option" which allows you to pay a reduced premium during the months your RV is in storage, or not being used. Customers can save as much as 53% off their premium during the months they're not using their RV.

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Q: Is my RV or motorhome insurance rate going to be any different if I call 1-866-646-1755 versus getting my rate quote online?

A: No, but working directly with an expert at RVInsurance.com will help you determine the best coverage to fit your needs, making it likely that you save as much money as possible.

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Q: Am I putting my RV or motorhome at risk by trying to cover it with an auto insurance policy? Why?

A: Yes, auto insurance is not designed to protect RVs and motorhomes. Trying to protect your RV or motorhome with an auto policy isn't much different than trying to protect your home with an auto policy. Specialized RV insurance is the most secure and most economical way to cover an RV or motorhome.

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Q: How do I know if I have the right protection for my RV or motorhome?

A: Based on the type of your RV and state-insurance regulations, finding the right insurance for your RV can be complicated. The best way to determine if you have the right coverage for your RV or motorhome would be to reach out to an RV insurance specialist. There are plenty on-hand and ready to assist you at RVInsurance.com. Just call 1-866-646-1755.

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Q: Has RVInsurance.com been proving RV and motorhome insurance for a long time?

A: RVInsurance.com has been a place for RV and motorhome owners to find specialized RV insurance for more than 10 years. You can get a quote online by clicking here or by calling one expert agents at 1-866-646-1755.

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Q: Where is RVInsurance.com located?

A: RVInsurance.com has agents throughout the country, with main offices in Portland, OR, Cleveland, OH, and St. Louis, MO.

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Q: Does RVInsurance.com handle RV and motorhome claims?

A: No. Your RV or motorhome insurance claim will be filed with whichever insurance carrier your policy is with. RVInsurance.com helps customers find the right coverage for their RV, but they do not handle or process insurance claims.

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Q: Is the claims service provided by the carriers available through RVInsurance.com responsive and helpful?

A: Yes! Insurance providers available through RVInsurance.com offer 24/7 claim service and some of them even offer a Claims Service Satisfaction Guarantee, where you'll get money back if you're not satisfied with the service you receive during a claim.

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Q: What if an accident occurs outside my RV at my campsite and my equipment is damaged or someone is injured, am I protected?

A: You're protected if your policy is equipped with Vacation Liability Coverage. Please check with an expert at RVInsurance.com to make sure you have the right RV or motorhome insurance coverage.

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Q: What if I'm the original owner of my RV or motorhome? Does that entitle me to anything?

A: Yes! Some carriers available through RVInsurance.com offer a discount to RV and motorhome insurance customers if they are the original owners.

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Q: Are there any types of RVs or motorhomes that RVInsurance.com can't find me coverage for?

A: No, one of the experts at RVInsurance.com will be able to find you insurance coverage for any kind of RV or motorhome you drive. The most common examples include: Motorhomes: Class A (diesel and gas), Class B (Van conversion), Class C (mini-motorhomes). Trailers: Conventional Travel Trailers, 5th wheel travel trailers, Pop-up campers, Airsteam Trailers, Truck Campers, Toy Haulers, Horse Trailers

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Q: What if I never get into any kind of accident in my RV that's my fault, are they are any kind of savings?

A: Yes! Some carriers available through RVInsurance.com offer discounts to customers who don't have any at-fault claims during their policy periods. And, some carriers offer discounts to drivers who haven't had any accidents or violations in a given time period. An expert at RVInsurance.com can tell you more. Call 1-866-646-1755 to learn more.

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Q: What if I get stranded due to an accident while traveling and my RV or motorhome must be towed away?

A: Many carriers include an Emergency Expense Allowance in their RV policies automatically, which pays specific limits for temporary living and transportation expenses as well as the cost of returning the RV home. And, more coverage than what's automatically included can usually be added - even for full-timers. Call one of our experts at 1-866-646-1755 for more details.

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Q: What about my pets? What if they're injured in an accident? Will my specialized RV or motorhome insurance cover them?

A: Pets are part of the family, too. That's why many carriers provide pet injury coverage at no extra charge. So, if your dog or cat is injured while riding with you in your RV or motorhome (or even during a fire or theft), some carriers will pay up to a specified amount to help with veterinary bills.

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Q: Does RVInsurance.com have a preferred carrier of choice?

A: No. The goal of every RV insurance expert at RVInsurance.com is to find the perfect specialized insurance coverage for your RV or motorhome and your budget, regardless of which carrier the insurance coverage is through.

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Q: If I put my RV or motorhome on the same insurance policy as my tow vehicle and I'm involved in an accident where both vehicles are damaged, do I have to pay two deductibles?

A: You'll have to check the specific details of your policy, but RVInsurance.com gives you access to specialized RV and motorhome insurance providers who won't make you pay two deductibles in instances like this.

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Q: What protection is offered against depreciation, especially after an RV is totaled?

A: The best protection against depreciation in a total-loss claim is to purchase replacement cost coverage (also called total-loss protection). This coverage will provide you with a new RV if yours is totaled or stolen. We can also provide you with coverage for your permanent attachments (awnings, generators, etc.) which will provide you with full replacement cost in the event of a loss -- not a depreciated amount.

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Q: What is the difference between Actual Cash Value (ACV), Replacement Value and Agreed Value?

A: Most RV specialty carriers offer different levels of physical damage protection in the event your RV is involved in a total loss (totaled). Here are the key points to consider when selecting coverage: Actual Cash Value is the most basic level of protection and pays out a fair market value based on what the RV was deemed worth immediately prior to the event, so depreciation is taken into account. All else being equal, ACV offers the least amount of coverage, with the lowest premiums. See below for more details about Agreed Value and Replacement Value, which is often referred to with regard to Full Replacement Cost Coverage or Total Loss Replacement Cost Coverage. If you're not sure which level of value makes the most sense for your RV, just give us a call at 1-866-646-1755. One of our RV insurance experts will help you determine what makes the most sense for you and your RV.

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Q: What is Agreed Value?

A: Agreed Value is a protection option offered by some RV specialty carriers for specific RV types. Agreed Value policies can offer a greater level of protection by allowing you (the insured) and the insurance company to agree on a set price. In the event of a total loss, the insurance company will pay out that agreed-upon value. All else being equal, compared to ACV, Agreed Value offers a higher level of protection but carries a higher premium.

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Q: Replacement Value (Full Replacement Cost/Total Loss Replacement Cost):

A: Coverage for the Full Replacement Cost offers the highest level of protection. This is the RVer's greatest safeguard against depreciation. Example: Let's say you enrolled Full Replacement Cost Coverage on a 2013 Class A motorhome you purchased for $150,000. In the event of a total loss (occurring in 2014), you can expect a comparable 2014 class A motorhome from the same manufacturer, model and series. All else being equal, replacement cost carries higher premiums than ACV or Agreed Value but much greater protection.

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Q: What are eligibility requirements to purchase Full Replacement Cost Coverage?

A: Each carrier imposes specific guidelines for Full Replacement Cost Coverage (sometimes called "Total Loss Replacement"). Some common ones are: Model year - Carrier requirements can vary, but typically the model year must be within the last four or five model years. RV value - Restrictions apply on RV's over $500,000. RV types - Some restrictions exist, by carrier, on semi's, bus conversions, pop-ups and toy haulers. If you are interested in Full Replacement Cost Coverage and have questions, an RVInsurance.com specialist can fully explain every option available to you. Just give us a call at 1-866-646-1755.

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Q: Do I have to wait until my current insurance policy expires? I have my RV insured through my auto insurance company and I don't think it's properly covered?

A: No. You can switch your coverage at any time. Your current insurance company will refund any paid premium, subject to applicable fees, and your new coverage can begin immediately.

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Q: What if I don't use my RV year round? I store my RV and don't want to pay full premium during those months.

A: For those who don't use their RV all year long, some carriers offer an in-storage option where all coverages except comprehensive, which provides protection against theft, fire, hail etc., are haulted and, therefore, the related premiums are not charged. By not having to pay for the unnecessary coverage, this Storage Option feature can save you hundreds of dollars per year.

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Q: What types of discounts can I expect when getting a specialized RV insurance quote?

A: Discounts vary by carrier, state and specific profile, but rest assured, RVInsurance.com agents will make sure you receive every possible discount available. Some common discounts include: a multi-vehicle discount for including one or more autos with the RV, a discount for completion of an accident prevention course, discounts for experienced RV operators, paying a policy in full, anti-theft devices and for being a member of an RV club. And, there are plenty of other discounts available.

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Q: What are ways to reduce my RV insurance premium?

A: Your RV insurance rates can be impacted by several factors, including the cost and type of RV (motorized or non-motorized), registration state and your experience operating an RV, just to name a few. While you may not have control of those factors, there are things to consider when shopping for RV insurance, such as bundling your auto(s) on the same policy. Most carriers can write the auto and the RV on the same policy, providing a multi-auto discount. This can be one of the most significant discounts offered by insurance carriers. Some other discounts include completing an RV safety course or membership in an RV club. Some carriers offer special rates for members of RV clubs.

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Q: In which states does RVInsurance.com do business?

A: The sales agents with RVInsurance.com can provide insurance coverage to Rvers in every state, except for: Massachusetts, Alaska, Hawaii and the District of Columbia.

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