RV Insurance

Agreed value coverage is important because it gets you back on the road quickly even in the event of a total loss. So, when you start your policy, we will mutually agree on a value for your RV including all permanently attached equipment. In the event of a total loss, we will pay that amount minus your deductible. Agreed value coverage is available for motorhomes and travel trailers, but not horse or utility trailers, and comprehensive and collision coverage are required with this option.

Replacement cost coverage is available on newly purchased motorhomes and travel trailers up to one model year old that have not been previously sold. In the event of a total loss, this coverage will replace your RV with a new vehicle that matches as closely as possible its make, class, size, body type, and equipment up to 120% of your vehicle’s original purchase price. The replacement cost applies to the vehicle for 10 years. After that, your policy switches to actual cash value. The replacement cost option is not available for horse or utility trailers or motorhomes valued at more than $750,000.

When you travel, you bring many items with you. This includes furniture for sitting outside your RV, kayaks and other recreational equipment, kitchen appliances, cameras, and even a drawer full of bathing suits. All these little touches that make your RV feel like home are important to you, so they’re important to us, too. With FirstMark’s personal effects replacement cost coverage, you’re protected against damage or loss of items you use with your RV. You can purchase up to $50,000 of coverage with a very low $100 deductible. Custom RV equipment and other items permanently attached to your RV are covered separately (see Audio-Visual and Custom Equipment Protection below).

Vacation liability coverage is available on motorhomes and travel trailers (though not horse or utility trailers) insured for both comprehensive and collision coverage. It provides you with liability coverage for bodily injury and property damage when the covered vehicle is being used as a temporary residence. All eligible vehicles receive $10,000 of vacation liability coverage at no charge, and you may increase your limit up to $500,000.

Vehicles with comprehensive and collision coverage may purchase Mexico physical damage coverage. This protects you from losses that occur while you’re driving your RV in Mexico or transporting it between locations in Mexico. Please note: when driving in Mexico, you must purchase liability insurance from a licensed Mexican insurance company.

You’ll feel more secure setting out on an adventure knowing you have roadside assistance. This option covers such assistance as fixing a flat tire, the delivery of essential engine fluids, towing, and even help from a locksmith to get you back in your vehicle.

With this option, help is on the way when you need it most. This includes all the features available with roadside assistance plus additional coverage for personal property, temporary living expenses, and transportation costs if your RV becomes uninhabitable. For example, if your RV breaks down and you need to stay at a hotel while it’s being repaired, we provide coverage for taxi fare and your hotel stay.

You’ve taken the time and expense to personalize your vehicle, so protect all the amenities your family enjoys. This option protects your audio, visual, and custom equipment not installed at the factory, but that is permanently attached to your RV. Custom equipment includes any part that modifies the appearance or performance of your RV such as an awning, a modified or custom engine, exterior tool boxes, special carpeting, custom wheels, and decorative decals. Custom equipment or other items not permanently attached are covered as part of your personal property insurance (see personal effects replacement coverage).

FirstMark loves rewarding safe drivers like you. When you remain claim-free, we’ll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum $500. You’ve earned it!

If your RV is declared a total loss, the money you get back from your insurance may not cover the cost to replace your RV once depreciation is considered. New vehicle replacement coverage pays the full purchase price for your new vehicle, so you can cruise with confidence.

In the event of a total loss, you don’t want to keep paying on an RV you can no longer use. This valuable option covers the difference between how much is left on your loan or lease and how much your RV is actually worth if it’s declared a total loss.

We’ll replace your stolen electronic keys and remote-control pads and locks at no extra charge and with no deductible applied, so you can keep rolling along.

This pays to fix someone else’s vehicle if you’re held responsible for damaging it in an accident. It also pays for damage to other people’s property such as their lawn or yard, utility poles, or the property inside a semi-trailer or freight trailer if you’re held responsible for the accident.

This option helps pay for hospital bills and medical care expenses for you and your passengers if you’re injured in an accident, no matter who was at fault. Some states require you to carry personal injury protection. However, if it’s not required where you live, you can always choose to add it for extra protection and peace of mind.

This pays for car repairs and medical bills you are legally entitled to recover from a driver without liability insurance, a hit-and-run driver, or for an amount that exceeds an at-fault driver’s insurance limits. In other words, it covers you when the other driver doesn’t have enough — or any — insurance. If it’s not required where you live, you can always choose to add it for your own protection.

Comprehensive coverage helps pay for repairs or replacement of your RV, motorhome, or trailer if it is stolen, vandalized, or damaged in some way other than in a collision. This includes loss or damage from fire, flood, falling objects, wind, hail, and collision with an animal.

Helps pay to repair damage to your RV, motorhome, or trailer caused by an accident.

If you’re 55 years of age or older, we strongly suggest taking an accident prevention course. Not only will you learn valuable safety skills, you’ll also earn a discount that lasts three years when you pass the class.

You qualify for a discount when your RV is equipped with an audible alarm or a disabling device that shuts down the fuel, ignition, or starting system in case of attempted theft.

One easy way to save on premiums is to reduce your coverage to just comprehensive when you store your RV for the winter. Then when you’re ready to hit the road again in the spring or summer, call your local independent agent to reinstate your liability and other coverage options so you’re protected.