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RV, Trailer, and Motorhome Insurance Coverage Options
Enjoying your time camping, exploring, and cruising the open road in your RV is more fun when you have the necessary insurance coverage. Along with essential liability protection, we also offer a full range of additional coverage options to further protect your family, your personal property, and your investment. Our independent agents are here to help you choose just the right policy for your needs whether you use your RV on weekends only or are out and about for months at a time.
Not all coverage options are available in all states. Since RV insurance options vary from state to state, talk with a local independent agent about crafting the best combination of coverage and value for your lifestyle.
Total Loss Settlement Options
If your RV is damaged, we'll repair it to pre-accident condition. However, if your RV is a total loss because it's damaged beyond repair, or is stolen and not recovered, we have three settlement options:
In the event of a claim, you get the actual cash value or the amount necessary to repair or replace your RV, whichever is less. To determine actual cash value, we find RVs similar to yours and then account for depreciation, which includes current condition, prior accidents, mileage, and other factors. Once this fair market value is set, that's the amount you get in the event of a total loss claim, minus your deductible. This settlement option is available for all vehicle types, and it is the only settlement option available for horse and utility trailers.
Agreed value coverage is important because it gets you back on the road quickly even in the event of a total loss. So when you start your policy, we will mutually agree on a value for your RV including all permanently attached equipment. In the event of a total loss, we will pay that amount minus your deductible. Agreed value coverage is available for motorhomes and travel trailers, but not horse or utility trailers, and comprehensive and collision coverage are required with this option.
Replacement cost coverage is available on newly purchased motorhomes and travel trailers up to one model year old that have not been previously sold. In the event of a total loss, this coverage will replace your RV with a new vehicle that matches as closely as possible its make, class, size, body type, and equipment up to 120% of your vehicle's original purchase price. The replacement cost applies to the vehicle for 10 years. After that, your policy switches to actual cash value. The replacement cost option is not available for horse or utility trailers or motorhomes valued at more than $750,000.
Popular RV Coverage Options
Loss of use coverage is available on vehicles insured for collision and/or comprehensive coverage. With this option, in the event of a claim for a covered loss, you are reimbursed for expenses, minus your deductible, incurred to rent a comparable substitute for your disabled vehicle.
When you travel, you bring many items with you. This includes furniture for sitting outside your RV, kayaks and other recreational equipment, kitchen appliances, cameras, and even a drawer full of bathing suits. All these little touches that make your RV feel like home are important to you, so they're important to us, too. With Safeco's personal effects replacement cost coverage, you're protected against damage or loss of items you use with your RV. You can purchase up to $50,000 of coverage with a very low $100 deductible. Custom RV equipment and other items permanently attached to your RV are covered separately (see Audio-Visual and Custom Equipment Protection below).
Vacation liability coverage is available on motorhomes and travel trailers (though not horse or utility trailers) insured for both comprehensive and collision coverage. It provides you with liability coverage for bodily injury and property damage when the covered vehicle is being used as a temporary residence. All eligible vehicles receive $10,000 of vacation liability coverage at no charge, and you may increase your limit up to $500,000.
Vehicles with comprehensive and collision coverage may purchase Mexico physical damage coverage. This protects you from losses that occur while you're driving your RV in Mexico or transporting it between locations in Mexico. Please note: when driving in Mexico, you must purchase liability insurance from a licensed Mexican insurance company.
You'll feel more secure setting out on an adventure knowing you have roadside assistance
. This option covers such assistance as fixing a flat tire, the delivery of essential engine fluids, towing, and even help from a locksmith to get you back in your vehicle.
With this option, help is on the way when you need it most. This includes all the features available with roadside assistance
plus additional coverage for personal property, temporary living expenses, and transportation costs if your RV becomes uninhabitable. For example, if your RV breaks down and you need to stay at a hotel while it's being repaired, we provide coverage for taxi fare and your hotel stay.
You've taken the time and expense to personalize your vehicle, so protect all the amenities your family enjoys. This option protects your audio, visual, and custom equipment not installed at the factory, but that is permanently attached to your RV. Custom equipment includes any part that modifies the appearance or performance of your RV such as an awning, a modified or custom engine, exterior tool boxes, special carpeting, custom wheels, and decorative decals. Custom equipment or other items not permanently attached are covered as part of your personal property insurance (see personal effects replacement coverage).
Other Optional Coverage Choices
Safeco offers many additional coverage options you may want to purchase according to your needs. Talk to your local independent agent about adding these valuable coverages to your Safeco RV policy.
Receive up to 5% cash back per year for being claims-free.
If you have a Safeco RV policy with no at-fault collision accidents or traffic violations for a required period, you may qualify for Accident Forgiveness.
Safeco loves rewarding safe drivers like you. When you remain claim-free, we'll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum $500. You've earned it!
If your RV is declared a total loss, the money you get back from your insurance may not cover the cost to replace your RV once depreciation is considered. New vehicle replacement coverage pays the full purchase price for your new vehicle, so you can cruise with confidence.
In the event of a total loss, you don't want to keep paying on an RV you can no longer use. This valuable option 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.
We'll replace your stolen electronic keys and remote-control pads and locks at no extra charge and with no deductible applied, so you can keep rolling along.
We get it — traveling is more fun when your furry friends are along for the ride. To keep you and your pets better protected, we'll help pay for veterinary expenses or a death benefit if your cat or dog is injured or dies in a collision.
We provide physical damage coverage for vehicles rented anywhere in the world for up to 90 days. We also provide coverage for indirect loss of use charges from the rental company if your rental is destroyed in a collision.
Essential RV Coverage Options
Safeco RV insurance offers the same essential coverage options as our auto insurance including:
This coverage helps pay for bodily injury expenses, such as hospital bills and medical care, that you may have to pay if you're held legally responsible for an accident that injures another driver or another car's passengers.
This pays to fix someone else's vehicle if you're held responsible for damaging it in an accident. It also pays for damage to other people's property such as their lawn or yard, utility poles, or the property inside a semi-trailer or freight trailer if you're held responsible for the accident.
This option helps pay for hospital bills and medical care expenses for you and your passengers if you're injured in an accident, no matter who was at fault. Some states require you to carry personal injury protection. However, if it's not required where you live, you can always choose to add it for extra protection and peace of mind.
This pays for car repairs and medical bills you are legally entitled to recover from a driver without liability insurance, a hit-and-run driver, or for an amount that exceeds an at-fault driver's insurance limits. In other words, it covers you when the other driver doesn't have enough — or any — insurance. If it's not required where you live, you can always choose to add it for your own protection.
Comprehensive coverage helps pay for repairs or replacement of your RV, motorhome, or trailer if it is stolen, vandalized, or damaged in some way other than in a collision. This includes loss or damage from fire, flood, falling objects, wind, hail, and collision with an animal.
Helps pay to repair damage to your RV, motorhome, or trailer caused by an accident.