SafeCo RV Insurance Review
ConsumersAdvocate.org Rating: 7.6 / 10 (Very good)
SafeCo is an insurance service that offers protection for a variety of recreational vehicles. It helps RV operators keep the costs of maintaining their recreational vehicles down by providing coverage against costly breakdowns or even total loss of the vehicle. Standard auto insurance cover is also included. Property damage and personal injury liability are just some of the standard items that come with each RV insurance plan.
Bodily injury liability
Property damage liability
Personal injury protection and Medical payments
Uninsured and underinsured motorists
Safeco gives you the option of customizing your RV insurance policy. This could be done by selecting from the optional items below.
Roadside assistance – flat tires, delivering essential fluids, towing and locksmith
Emergency assistance – all roadside assistance features plus coverage for personal property, temporary living expenses and transportation costs
Audio-visual and custom equipment – covers audio, visual and other aftermarket custom equipment. Audio and visual equipment should be permanently installed on the vehicle. Custom equipment also includes custom engine or any modification on the RV’s appearance.
Loan or lease protection – covers difference between the actual value and the amount left on your loan or lease if your vehicle is declared a total loss.
Diminishing deductible – reduce deductible cost by $100 for a maximum of 5 years or $500 each time you renew your policy.
Personal property coverage – covers damage or theft to personal property inside your vehicle.
Electronic lock and Key replacement – replacement of locks and keys without deductibles
Pet coverage – pays for veterinary expenses or death benefit if pet dies or is injured during a collision.
- Pass an accident prevention course – for RV operators 55 and older
- Anti-theft device – for RV equipped with an anti-theft device that disables the fuel, ignition and starting system. Comprehensive deductibles waived for RV stolen equipped with LoJack or Teletrac System.
- Multi-vehicle discount – RV and car enrolled in the same policy
- Storage option – reduce the cost of insurance when vehicle is stored.
- Choose a higher deductible – reduce premiums by selecting a higher deductible
- Type of RV – ask your agent if your RV model qualifies for a discount
- Roadside assistance
- Emergency assistance
- 24/7 claims service
The Bottom Line – SafeCo Insurance
SafeCo is a good choice for recreational vehicle operators searching for comprehensive coverage. This service is made available for a wide-range of recreational vehicle types making it easier for owners to find an insurance plan that caters to their vehicle. Coverage for personal injury and property damage also comes standard so you don’t have to worry about complying with state laws on auto insurance. SafeCo is definitely a good place to start for RV operators searching for RV insurance.