Top 6 RV Insurance Providers, If you’re an avid RVer, ensuring that your motorhome is safeguarded is of utmost importance, whether you’re embracing a full-time mobile lifestyle or simply enjoy occasional adventures on the road. Much like auto insurance, RV insurance steps in to offer financial protection during unfortunate events, such as accidents and injuries, along with comprehensive coverage for your treasured RV.
Best top 6 RV Insurance Providers at a Glance
Here, we’ll introduce you to the top 6 RV insurance providers in 2023, helping you gain insights into selecting the right coverage tailored to your unique needs.
Good Sam – The Pinnacle of RV Insurance
Your Ultimate RV Insurance Agency
Good Sam Insurance Agency stands tall as the best option for those seeking guidance in the complex realm of RV insurance. They serve as a bridge between you and some of the finest RV insurance providers, ensuring that you acquire a comprehensive policy customized to your precise requirements.
Good Sam collaborates with renowned insurers such as Progressive, Foremost, SafeCo, and National General. Their range of insurance options includes comprehensive coverage, collision protection, liability assurance, property damage, and personal injury protection. If you’re an RVer who often crosses the border into Mexico, Good Sam has you covered. They have a partnership with MexicoInsuranceOnline.com, which connects you with one of three Mexico-based insurers. This allows you to acquire tailored policies for single-day trips or more extended journeys.
Furthermore, Good Sam offers a storage discount, enabling you to pause collision and liability coverage when your RV or trailer remains stored for over 30 consecutive days. This can translate into substantial savings for those who use their RVs for occasional road trips. Last but not least, if you’re living in your RV full-time, Good Sam can help you tailor a specialized insurance policy that aligns with your unique lifestyle.
RVInsurance.com – Your RV Insurance Ally
Specialists in Crafting Tailored RV Insurance Policies
RVInsurance.com provides invaluable assistance in finding the perfect insurance policy, whether you use your RV for leisure or as a full-time residence. They collaborate with well-regarded insurers such as Foremost, National General, and Safeco, ensuring comprehensive coverage for all types of RVs, from motorhomes to campers. Their array of policy add-ons includes full replacement cost coverage, full-timer’s liability assurance, and roadside assistance.
You can obtain an insurance quote online, or if you prefer a more personalized touch, their insurance specialists can guide you through the process and help you compare policies effectively.
Nationwide – A Multitude of Discounts
Your Gateway to Exceptional Savings
Nationwide Insurance offers a treasure trove of over 10 different discounts, catering to various aspects of your RV and lifestyle. From staying claim-free during the previous policy period to installing safety devices like smoke detectors, Nationwide’s discount offerings are impressively diverse.
The potential for savings is abundant – bundle your RV policy with your existing home insurance, engage in safety courses, join an RV organization such as the National RV Association, pay your annual policy upfront, or opt for the company’s Full Timer’s package. Keep in mind that not all discounts are visible on Nationwide’s website, with some becoming apparent during the quoting process. For instance, they may offer additional discounts for safety features like a tire-pressure monitoring system or a fiberglass body.
National General – Full Replacement Cost Assurance
Your Safeguard for Specialized RV Equipment
National General takes the lead in offering full replacement cost coverage, a rare gem that is typically accessible only during an RV’s initial model year. However, National General extends this protection for the first five model years, offering unparalleled peace of mind.
With full replacement cost coverage, also known as total loss replacement, your RV is replaced with a brand-new or similar model in case of a total loss or theft. You might also receive a reimbursement equivalent to the original purchase price of the vehicle. This type of coverage is usually available for newly acquired motorhomes or travel trailers up to one or two model years old. National General, in contrast, offers this benefit for RVs during their first five model years.
Another unique feature is National General’s ability to insure your RV whether you’re the first owner or not, a benefit that’s often limited to original owners. They also allow you to suspend your coverage during RV storage, an option not offered by many competitors. This can lead to savings on monthly premiums while still keeping your RV protected against theft, fires, extreme weather, and non-collision incidents.
Progressive – Vanishing Deductibles Galore
Unrivaled Deductible Reduction and Accident Forgiveness
Progressive takes the stage with a distinctive offering of disappearing deductibles and accident forgiveness. These benefits set them apart from the competition, delivering significant savings and peace of mind.
With Progressive, you can enjoy reduced premiums if you are the original owner of your RV or if you opt to pay your policy in advance. Their disappearing deductibles feature allows for a 25% reduction in your deductible amount for every claim-free policy period. After four consecutive claim-free periods, your deductible becomes a remarkable $0. This is a rare feature in the industry, as other companies that offer disappearing deductibles often cap the discount at $500. Progressive’s offering is an exceptional value, especially if your vehicle is valued at $25,000 or more and you purchase the comprehensive and collision coverage package. Additionally, they include accident forgiveness at no extra cost for claims under $500.
Roamly – RV Rental Enthusiasts’ Choice
Specialized RV Insurance for Renters
Roamly is your go-to choice if you’re an RV owner who occasionally rents out your vehicle. They specialize in providing comprehensive coverage even when your RV is in the hands of renters, a scenario where standard policies often fall short.
When you list your RV on rental platforms like Outdoorsy, which owns Roamly, your vehicle remains fully insured. Renters booking your RV can acquire a renters protection package, covering various aspects such as trip protection, interior damage, and travel medical insurance.
Roamly ensures that rented RVs are protected at their actual cash value during the rental period. Additionally, their policies include $1 million in liability insurance protection during each trip.
Auto-Owners Insurance – A Commitment to Customer Service
Exemplary Customer Service for Discerning RVers
Auto-Owners Insurance stands as the epitome of personalized customer service, boasting a network of independent agents, an online customer center, and a mobile app for ultimate convenience. With Auto-Owners, you can access essential policy information, including claims and billing, directly from your phone, tablet, or computer.
This company maintains a stellar customer service record, boasting fewer complaints with the National Association of Insurance Commissioners than most of its competitors. It also ranks above average in the southeast region according to J.D. Power’s 2022 Auto Insurance Customer Satisfaction study. Auto-Owners exclusively sells its insurance products through independent agents, offering a personalized touch and in-depth insights into your specific insurance needs based on your location. This local knowledge is crucial, as state laws governing bodily injury and property damage liability limits can vary significantly.
the right top 6 RV insurance providers is a vital decision for any RVer. Each of these top-notch companies offers unique advantages, making it crucial to evaluate your needs and priorities before choosing the best fit for your beloved home on wheels. Your RV adventures deserve the finest protection, and these insurance providers are your trusted companions on the journey.Top 6 RV Insurance Providers Top 6 RV Insurance Providers Top 6 RV Insurance Providers Top 6 RV Insurance Providers Top 6 RV Insurance Providers Top 6 RV Insurance Providers Top 6 RV Insurance Providers Top 6 RV Insurance Providers