RV & Camper Insurance 

Rv insurance can protect your motorhome, travel trailer, camper and even your horse trailer.

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Here are some things to consider when shopping for insurance:

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• Liability coverage:  Provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more.  Coverage varies by state

• Settlement Options:  You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss.  Options tailored to your needs can include:

  • Stated Value- market value/actual cash value of the RV

  • Agreed Value- the insured amount, regardless of the current market value

  • Replacement Cost-  will replace your insured RV with a new RV that is most like it

• Vacation Liability:  Coverage for when you stop driving and start using your recreational vehicle as a temporary residence.  Some policies can include additional coverage for physical damage in Mexico.

• Personal Effect Coverage:  Provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

• Roadside Assistance:  Some policies include coverage in the event of a breakdown or accident.  Some polices will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.

• Claims:  Having a specialized claims team to have the knowledge to handle your loss and get your RV repaired and back on the road as soon as possible.

• Additional Coverage Options:  Some policies can include accident forgiveness, pet coverage, diminishing deductibles and more.

• Usage Limits: Most policies limit the number of days per year the RV can be in use.

• Discounts:  You may qualify for safe driver discounts, original owner discounts, package discounts and more.

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Melissa Mitchell Insurance is an independent agency that is locally owned and operated.  I focus on affordable, reliable and quality insurance product choices all across Texas, Minnesota, Wisconsin and Nevada.

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