Insuring your recreational vehicle
Whether you’re in a motor home, pulling a trailer, buying a camper or looking for a refinished Airstream, bring Ellis Insurance along on your adventures.
You wouldn’t think of driving your car without auto insurance protection, so why risk it when you’re driving a recreational vehicle? No matter what your path of travel, you can be confident that our know-how is with you all the way. The coverages you need for your recreational vehicle are the same as those on your automobile.
Understanding RV Insurance
Coverage options for Recreational Vehicles
Insuring your RV isn’t difficult, if you know the right questions to ask. Ellis Insurance will walk you through the questions, and explain the answers. Ellis Insurance will help you buy the right RV insurance to protect the sizeable investment you have made in your recreational vehicle. A well designed insurance policy will not only protect your property but also your RVing lifestyle, providing liability coverage in the event of an accident.
Specialized RV insurance from Ellis Insurance can cover situations unique to life on the road. We provide insurance coverage for Type A motor homes, Type B motor homes (van campers) and Type C motor homes (mini motor homes) and towable RVs, including: conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends, folding camper trailers and truck campers.
You may wonder how exactly RV insurance from Ellis Insurance differs from typical car insurance. Enhanced recreational vehicle insurance coverage may include:
- Total Loss Replacement.
Replace your RV if it is damaged beyond repair in the first five model years. This coverage provides you with another unit of the same kind and quality – no depreciation.
- Replacement Cost or Actual Cash Value for Personal Effects –
pays for the replacement of your personal items in your RV that resulted from a covered loss. Our clients can choose either option for protecting their personal belongings: actual cash value or replacement cost coverage.
- Outstanding Loan Balance.
This option ensures you’re not left with a loan to pay and no RV to show for it. Otherwise, a claim settlement for a total loss of a RV protected for its actual cash value might not be enough to pay off an outstanding loan.
- Vacation Liability.
This coverage pays for Bodily Injury and Property Damage losses that occur at your vacation site, bet it a campsite or RV park.
- Emergency Expense coverage.
In the event of a covered claim which disables your RV, Emergency Expense coverage may pay temporary housing expenses and the cost to get you, and your vehicle, back home.
- Recreational Vehicle Medical Payments coverage.
Pays the cost for necessary medical treatment that is caused in an RV accident, regardless of fault.