National General RV Insurance Review
ConsumersAdvocate.org Rating: 9.5 / 10 (Excellent)
National General Insurance provides a variety of products that include auto, home and RV insurance. It is one of the few companies that specializes in RV insurance offering RV-targeted coverage and protection. National General RV Insurance provides RV coverage for those who live in their motor vehicles full-time and a storage option for cutting insurance costs when the RV remains idle for long periods of time.
Bodily injury coverage
Property damage liability
Personal injury protection
Uninsured or underinsured motorist coverage
Recreation Vehicle Specific Coverage
Total Loss Replacement:
National General RV Insurance has optional full replacement cost coverage; if your RV is totaled or stolen (and not recovered) and it's within the first five model years, it will be replaced with a comparable, new RV, even if you're not the original owner. After the first five model years, you will receive your full original purchase price - not a depreciated amount - toward the purchase of a replacement RV.
Replacement cost coverage must be purchased during the RV’s model year or within the following four years.
This option lets you save money by suspending the other coverages you don’t really need during the months your RV is off the road.
The storage option allows you to “turn off” your liability and collision coverages to reduce your premium by an average of 53% when you are not using your RV.
Full Timer Coverage:
Full-timer coverage is designed to provide protection to RV’ers similar to how a homeowner’s policy protects for things that happen in and around a home.
The full-time protection plan covers personal liability losses, other than in an auto accident. This coverage is provided worldwide. The full-time protection plan is available to clients that use their RV 6 or more months out of the year and DO NOT own their primary residence.
Personal Effects Coverage
National General features personal effects coverage that automatically insures the belongings in your RV for up to $3,000, with the option to add more coverage if you need it.
Personal effects coverage covers the full replacement cost of your personal items (from laptops and linens to attachments and accessories) in your RV. You can add more coverage to your custom RV insurance policy if you need it.
Permanent Attachments Coverage
In addition to standard insurance coverage for your RV, National General offers permanent attachments coverage at no additional charge.This insures permanent attachments for the full amount it would cost to replace them-not a depreciated amount. Attachments and accessories like awnings, levelers, tow kits, stairs and antennas are covered for their full amount at no additional cost to your policy.
Mexico physical damage coverage provides comprehensive and collision coverage for an RV or travel trailer while traveling in Mexico. This coverage is available provided liability coverage for the duration of time spent in Mexico is also purchased from a provider licensed in Mexico.
RV vacation liability adds liability coverage for parked RVs — providing continuous bodily injury and property damage coverage up to the limit chosen. It covers incidents that occur like “slip-and-falls” or campfire-related losses. Up to $10,000 is included.
If a tow vehicle and fifth wheel is insured by National General Insurance, we also cover the hitch assembly at replacement cost, which is especially geared for fifth wheel trailers.
For every year a policy remains claim free (excluding towing and labor claims) a 25% credit is applied at each annual renewal until the credit is 100%. If a claim is filed, this credit can be applied toward a comprehensive or collision deductible for any covered RV.
Autos & Tow Vehicles - Covers your other autos and tow vehicles on the same policy as your RV. If you ever have an accident while towing your RV, your auto and RV claim will both share a single deductible. Bundling can save up to 53% on your premiums.
- Multi-vehicle discount
- Storage option
- GM/ GMAC customer discounts
- Paid in full discount
- Safe driver discount
- Low mileage discount
- Group discount
Policy coverage is only extended to drivers listed when the insurance policy was purchased. RVs with an original cost of $500,000 or more will only be insured if all household autos are insured with National General Insurance Underwriting.
If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you’re not the original owner. After the first five model years, you will receive your full original purchase price — not a depreciated amount — toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years.
- Emergency expense allowance – Covers lodging, transportation, and meal expenses incurred when RV is inoperable more than 100 miles from home. For full-timers, the coverage is applicable anywhere the full-timer is located. This coverage is provided at basic limits when vehicle has comprehensive and collision coverages. Higher limits are available in some states.
- Smart Assist – mechanical breakdown insurance (optional). One hour of labor at the site of breakdown, towing services without dollar or mileage limits and gas.
- RV claims specialists
- 24 hour claims reporting
The Bottom Line – National General RV Insurance
National General Insurance offers a highly specialized RV insurance product that goes beyond average auto insurance services. It even distinguishes this service from its auto insurance product, providing it a separate category. It still offers basic auto insurance items such as bodily injury and property damage coverage to fully comply with state laws. Recreational vehicles and motor homes are specially equipped for trips and serve as a second home which National General RV Insurance takes into account by providing coverage for such items. Overall, National General is a great choice for RV owners searching for RV insurance services.