National Interstate RV Insurance Review
ConsumersAdvocate.org Rating: 7.5 / 10 (Very good)
National Interstate Insurance Company offers insurance products that focuses on the transportation industry. Insurance services covers a variety of vehicles including those for commercial use. Its RV insurance in particular provides specialized protection for recreational vehicles including total loss replacement and full-timers coverage. National Interstate RV Insurance also covers personal belongings, awnings and other RV equipment.
Total loss replacement – replacement with a brand new or comparable unit for RVs totaled on its first 5 model years. Awards you with a brand new RV regardless of depreciation.
Purchase price guarantee – protect your RV against depreciation
Personal effects coverage – provides $1,000 cover for all items or $1,000 in increments for each item
Vacation liability – for injuries you are held liable for at the campsite or in your RV
Trip interruption – pays for costs like hotel stays due to a covered incident
Windshield replacement - $100 deductible for windshield replacement
Awning replacement – replaces awning with similar or comparable item
Diminishing deductible – cut 25 percent off your deductible for each claim-free year
Full-timers coverage – similar to personal liability on homeowner’s policy
Agreed value – payments based on agreed value for total loss. Available for bus conversions only.
Extended utility trailer - $2,000 standard for physical damages to your utility trailer. Can be extended up to $99,000.
Commercial usage – for those who use their vehicles
Mexico physical damage – physical damage coverage extended to Mexico. Requires separate Mexico liability coverage.
Is not available for RVs registered or garaged in AL, DC, MA, MS, RI, VT or HI. Unacceptable risks which voids the policy includes race/ speed test and commercial purposes (see commercial use for eligibility criteria). Mobile homes and RVs registered or garaged in the US but owned by a Canadian citizen. Talk with a National Interstate agent for the complete list of unacceptable risks and restrictions.
- Coach Net – 24/7 toll free roadside assistance for your RV and household autos
- Emergency expenses
Bottom Line - National Interstate RV Insurance
National Interstate RV insurance provides a good range of RV specific coverage that protects owners and operators against costly RV repairs and breakdowns. However, services are limited vehicles registered or garaged in some states. Its depreciation protection option offers RV owners preserve the value of their investments and keep the costs of repairs to a minimum. Solid coverage and reliable support services makes National Interstate RV insurance one of the best providers of RV insurance today.