RV / Motor Home and Travel Trailer Insurance
Protect Your Home Away from Home Because your road trip should be fun, we take recreational vehicle insurance seriously. The Van Dyk Group wants to make sure that you have the right coverage to protect you from a loss, and that you understand the important coverage’s that a motor home or travel trailer owner needs and the options available to meet your lifestyle.
Choose from Collision/Comprehensive protection against sudden and accidental loss due to a collision, fire, windstorm, landslide, vandalism, and other perils.
Or Liability Only Coverage– protection against liability issues that may arise from using your recreational vehicle.
Additional Motor Home/Travel Trailer Insurance coverage’s:
Total Loss Replacement : The insurance carrier will replace or pay to replace your RV if it is damaged beyond repair in the first five model years.
Outstanding Loan Balance : If a RV is protected for its actual cash value, a claim settlement for a total loss might not be enough to pay off an outstanding loan. This option ensures you’re not left with a loan to pay and no RV to show for it.
Agreed Value : Together, we determine how much your RV is worth and insure it for that amount. If you suffer a total loss, you’ll be reimbursed for that agreed amount.
Full Time Coverage : If you live 6 months or more of the year on the road, we offer liability protection similar to a homeowner’s policy.
Extensive Physical Damage Protection : This provides coverage against sudden and accidental loss due to a collision, fire, windstorm, landslide, vandalism, and many other perils.
Personal Effects : You have a choice for protecting personal belongings: actual cash value or replacement cost coverage.
Roadside Assistance : Whether your RV breaks down, runs out of gas, or you simply lock yourself out, some of our companies have a toll-free number for assistance. You won’t need a separate service plan with this option.
Emergency Expense Coverage’s : You can be paid for temporary housing expenses when a covered peril disables your recreational vehicle. This coverage also pays the cost to get you, and your vehicle, back home.
Vacation Liability : This provides premises liability coverage while your unit is parked at a campsite or RV park.
Tow Dolly : Additional protection if you need it.
Full Safety Glass Deductible : This endorsement provides coverage for the cost of repairing or replacing damaged safety glass with a deductible.