Recreational Vehicle Insurance

Don’t leave your recreational vehicle (RV) or Motor Home at risk; make sure you protect it with the right insurance coverage.

Do you own a motor home, coach, travel trailer, camper, or some other type of recreational vehicle? Then it’s important that you have the right RV insurance coverage in place. However, it’s important to understand that your coverage needs are dependent on the type of vehicle that you own and how you use this vehicle. Not sure what coverages you need to protect your recreational vehicle? Don’t worry, the experts at Powersports Insurance Agency has the experience and expert advice that you can rely on. Read on to learn more about what our various RV insurance solutions can do for you.

RV Trailer Types We Insure: All types of personal use travel trailers and utility trailers

Travel Trailers – Wide range of floor plans and sizes.

Fifth Wheels – Have spacious two-level floor plans.

Animal or Sport Utility Trailers – Usually have living quarters and are sometimes called a Toy Hauler– Built-in garage for cycles, ATV’s & snowmobiles or stalls for animals.

Tent or Pop-Up Campers – Folds for light weight and aerodynamic towing.

Pickup Campers – Mounts on pickup bed.

Park Models – Permanently installed RV in campground or park.

Utility Trailers – Trailers designed to be pulled for personal use by cars, trucks or motor homes. May include Sport Utility – to haul motorcycles, snowmobiles and ATV’s. Also we insure animal trailers and car haulers.

Motor Home Types We Insure:

Class A Motor Homes – Largest motor homes with luxurious amenities.

Class B Motor Homes – Sometimes called van campers.

Class C Motor Homes – Smaller versions of Class A motor homes.

Luxury Motor Coaches – Usually professionally-converted motor coaches.

Standard Recreational Vehicle & Motor Home Insurance:

Vacation Liability Coverage: Provides coverage for claims made for bodily injury or property damage that results from an accident at the site where the RV or Motor Home is parked and used for recreational purposes.

Comprehensive Coverage: This type of insurance will cover the damages or losses to your recreational vehicle caused by a non-collision incident. For instance, it will provide coverage for the damages resulting from fire, theft, vandalism, major weather events, and other perils. Example: wind damage to an awning or damaged from a falling tree branch.

Collision Coverage: This type of insurance will provide coverage in the event that your recreational vehicle is damaged or requires total replacement due to a collision event.

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Specialized Recreational Vehicle Coverage Options

We can provide coverage for your specific needs with many policy options including:

Total Loss Replacement – Usually available on new or close to new RV’s. This coverage replaces a “totaled” RV with a new model of similar make and quality.

Emergency Vacation Expense – Provides money for lodging and transportation if an RV is damaged during a trip.

Disappearing Deductibles – If available, this endorsement reduces the deductible by 25% at each claim free renewal.

Full Timer’s Package – Extra coverage for customers who use an RV as their home.

Replacement Cost Personal Effects – Protects the personal items in the RV including cameras, clothes, cell phones, etc.

24-Hour Roadside Assistance – Provides assistance for disabled vehicles – and includes a tow truck that can handle your RV no matter what the size.

Pet Injury Coverage – Provides coverage for injuries to your pet as a result of a covered loss while riding in your RV or Motor Home or occupying a campsite.

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