RV America Insurance Review
ConsumersAdvocate.org Rating: 8.5 / 10 (Very good)
RV America Insurance helps RV operators and owners find RV insurance by connecting them with insurance companies that offer RV insurance. Partner companies include Progressive, National Interstate, Allied/ Nationwide, Blue Sky, American Modern, McGraw, Dairyland, Assurant, Foremost, SafeCo, Mercury, Met Life and GMAC. It offers a variety of coverage and protection options for RV owners and operators.
Covered item depends on the RV insurance provider you choose to work with. Generally however, this includes standard auto insurance items such as personal injury and property damage liability.
Accessories coverage – factory equipped and aftermarket accessories such as awnings, antennae, satellite dishes.
Fire, flood and theft – protect your RV against this threats.
Full-time coverage – much like homeowners policy with personal liability coverage, bodily injury, personal property damage caused by accidents which you are held liable.
Liability coverage - $100,000 for each person, $300,000 per accident and $50,000 for property damage
Low branch collision – covers damage to RV, attached items like awnings, antennae, satellite dishes and air conditioning units
Personal items replacement – starts at $2,000
Total loss replacement – get a brand new RV even if it’s more than the cost of your original RV. For RVs destroyed during its first five model years.
- Diminishing deductibles
- Multiple policies
- Safe driver
- Anti-theft, personal safety device discounts
- 24/7 roadside assistance
- Emergency expenses – temporary living and rental car expenses for accidents that happen 50 miles from your home. $750 standard and up to $2,000 per occurrence for full-timers.
Bottom Line – RV America Insurance
RV America offers the most comprehensive list of coverage items simply because of its large network of RV insurance providers. This makes it possible for RV owners to find insurance policies that could better address this needs. RV America Insurance helps RV operators by providing support through its service representatives. However, due diligence should be done since the quality of your RV insurance ultimately rests on your chosen RV insurance provider. A good choice for first time RV owners searching for RV insurance.