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RV Insurance Features and Coverage Options

Insurance for Your Home on Wheels

Every Safeco RV policy provides essential protection for your recreational vehicle. We also give you the option to enhance your protection by choosing additional coverage options. You’ll enjoy the journey and the adventure even more when you’re less worried about you and your family’s safety, your belongings and your investment.

Your local Safeco agent can offer personal advice about product availability in your area and how much coverage is right for you.

Generous Usage Season

Use your recreational vehicle for personal use up to 150 days a year. That’s about five months of camping, exploring and cruising down the open road. And while your RV is in storage during the off season, you can save money by reducing your coverage. 

Popular Coverage Options

Custom Build Your RV Policy from Our Selection of Coverage Options

Our many RV insurance coverage options vary from state to state. Talk to your local Safeco agent to get the best combination of coverage, value and price and for personal advice on which coverage options are right for you.

Roadside Assistance

Covers you for assistance after a breakdown including changing a flat tire, delivering essential fluids, towing and help from a locksmith if you lock your keys in your RV.

Emergency Assistance

Includes all the features of Roadside Assistance plus adds coverage for personal property, temporary living expenses and transportation costs if your RV becomes uninhabitable.

Audio-Visual and Custom Equipment

Protects your audio, visual and custom equipment that was not installed at the factory or dealership. Audio-visual systems and equipment, like a stereo, DVD player or a flat-screen TV must be permanently installed. Custom equipment includes any part that modifies the appearance or performance of your RV like an awning, a modified or custom engine, exterior tool boxes, special carpeting, custom wheels and decorative decals.

Loan or Lease Protection

Covers the difference between how much is left on your loan or lease and how much your RV is actually worth if it’s declared a total loss.

Diminishing Deductible

Remain claim-free and we’ll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum of $500 or for five years.

Personal Property Coverage

Covers damage or theft of some personal belongings while in your RV.

Electronic Lock and Key Replacement

If your electronic keys are lost or stolen, we’ll replace them – and any remote control pads and locks – at no extra charge and with no deductible applied.

Pet Coverage

We'll help pay for veterinary expenses or death benefit if your cat or dog is injured or dies in a collision. 

Essential Coverage Options

Safeco RV insurance offers all the same basic coverage options as regular auto insurance, including:

• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection (PIP) and Medical Payments (Med Pay)
• Uninsured and Underinsured Motorist (UM/UIM)
• Comprehensive
• Collision

Talk to your local Safeco agent to find out what type of coverage is required where you live, and which options are right for you.

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© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.