RV Insurance


RV in Mountains

Physical Damage Settlement Options

All three options provide the same coverage to repair RVs that are not a total loss. However, if the RV is a total loss, they provide different settlements.

Total Loss Replacement

In the event of a total loss, this coverage replaces the current RV with a new untitled RV that is to the extent possible, the same make and model, and which contains comparable equipment. Total Loss Replacement is available on previously untitled RVs that are up to one (1) model year old and do not have pre-existing damage. For RVs over five model years old that experience a total loss, we will pay the Purchase Price as reflected on the declarations page.

The Disappearing Deductibles option is included with Total Loss Replacement when the rating base is greater than or equal to $25,000 and physical damage is selected.

Agreed Value

(if available)
Agreed Value means we’ll pay the rating base as reflected on your Declarations Page in the event of a total loss regardless of the actual cash value. Agreed Value is available on all RVs. For RVs purchased in the last two years, the sales receipt can serve as verification of the rating base. If a sales receipt is unavailable or if the RV was purchased more than two years ago, the rating base value may be determined by referring to either the N.A.D.A. Recreational Vehicle Appraisal Guide or the Recreational Vehicle Blue Book.

The Disappearing Deductibles option is included with Agreed Value when the rating base is equal to or greater than $25,000 and physical damage coverage is selected.

Actual Cash Value

The most economical is the loss settlement option. All total losses will be settled by paying the lessor of the value of the RV at the time of the loss, less the deductible or the value displayed on the declarations page, which was entered as the rating base for the RV.

Comprehensive Coverage

Provides coverage for losses to an insured vehicle, including, but not limited to: fire, theft, vandalism, hail, wind, flood or impact with an animal. This coverage is subject to the deductible amount selected.

Collision Coverage

Provides coverage for the insured vehicle for damage related to an impact (other than with an animal). This coverage is subject to the deductible amount selected.

Included when Comprehensive/Collision are selected: Emergency Expense, Fire Department, Vacation Liability (for Pleasure users), and Trailer coverage.

Also included is physical damage protection while in Mexico, provided that the insured purchases a Mexico liability policy.

Progressive provides free Pet Injury coverage as part of your Collision coverage. This coverage pays up to $1,000 toward veterinary bills if your dog or cat is injured when you’re in a vehicle accident. We also cover them for Comprehensive claims, such as vehicle theft or a fire. In the unfortunate event that your pet dies as a result of injuries sustained in your Collision or Comprehensive claim, we provide a $1,000 death benefit.

Bodily Injury Coverage

Coverage purchased to reimburse anyone the insured injures in an accident. Select the coverage limits that best protect the insured.

Property Damage Coverage

Coverage purchased to reimburse for property damage that the insured may cause in an accident.

Medical Payments Coverage

Pays for injury to a person in the RV. No deductible applies. If Medical Payments coverage is selected for one vehicle, it must be written on all vehicles at the same limit.

Emergency Expense Coverage

For insureds who are pleasure users: Pays up to specified limits for reasonable temporary living facilities, transportation and the cost of returning the RV if it becomes inoperable due to a covered loss more than 50 miles away from the primary residence. $750 is included when physical damage is selected. Up to $2,000 is available for Pleasure users.

For insureds who use their RV as a Primary Residence: Pays up to specified limits for reasonable temporary living facilities and transportation expenses if the RV becomes inoperable due to a covered loss. $750 is included when physical damage is selected. Up to $7,500 is available for these users.

Vacation Liability Coverage

Vacation Liability Coverage pays up to specified limits for bodily injury and property damage for which the insured is legally liable as a result of an accident that occurs while the RV is used as a temporary vacation residence. $10,000 is included when physical damage is selected. Up to $500,000 is available. Coverage only available for Pleasure Users.

Personal Effects Value

Replacement Cost Personal Effects Coverage pays up to specified REPLACEMENT COST limits for loss of, for damage to, the insured’s RV contents that are normally used in conjunction with the RV. Loss of, or damage to, certain items outside the RV is covered up to 25% of the Replacement Cost Personal Effects limit purchased. Up to $99,000 is available There is a $100 deductible. (Indicate the dollar value of the Personal Effects that are normally used in conjunction with the RV.)

Deluxe Coverage

The Deluxe Package is an optional package that includes the following two coverages:

Disappearing Deductibles provides a reduction in the deductible amount the insured pays if Progressive pays a Comprehensive or Collision claim. For each consecutive claim-free renewal, the original Comprehensive and Collision deductibles decrease by 25% until the fourth consecutive claim-free renewal at which time they reach $0. Following a loss, deductibles return to their original amounts upon the next renewal.

Scheduled Medical Benefits Vacation Residence – pays scheduled dollar benefits to the named insured or spouse for loss of life, hand, foot, eye or the ability to work.