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Summer (Home) Lovin’: Options for RV Insurance

By Janet Gyenes

Summer is synonymous with carefree days spent on the road to adventure. But true freedom means making sure your home-on-wheels (be it a recreational vehicle, fifth wheel, camper or tent trailer) is covered in case of bumps along the way. Erinn Steele, insurance agency manager at AMA, breaks down two options for RV insurance available exclusively to AMA members.

ADD AN RV TO YOUR AUTO INSURANCE
Just like a car or truck, a drivable RV must have liability coverage on it. “At minimum, the liability has to be added to your auto policy,” Steele says. You then have the option to add collision and comprehensive coverage—as you would with any other vehicle—which offers some insurance against physical damage to the unit.

LEARN MORE
Call 1-800-615-5897 for further details about RV insurance options available through AMA

ADD AN RV TO YOUR HOME INSURANCE
AMA offers two RV insurance policy options: Comprehensive covers all risks (with certain exclusions), while a Standard policy protects against named perils such as fire, hail and theft.

Both options insure against physical damage to the unit, as well as your personal property contained in the unit, things like blankets and dishes. “Anything you own or are legally responsible for,” Steele says. The coverage limit for contents is 15 percent of the unit’s value.

The Comprehensive policy can also provide up to $200 per day (to a $2,000 maximum) for necessary emergency expenses if you’re vacationing with the unit and it becomes uninhabitable due to a covered peril.

WE’VE GOT YOU COVERED
Sign up for an AMA Plus RV or Premier RV membership to get extra benefits like long-distance towing, free emergency fuel and more.