RV Insurance Coverage
To Keep You Cruising
Having the Right RV Coverage Matters
Knowing the basics about your RV insurance coverage is smart and can help save you money in the long run. At The Hartford, we make certain you have the right motorhome and trailer insurance coverage for your needs, so there are no surprises down the road.
Our motorhome insurance offers many of the same benefits and features as our auto insurance plan, to give you more value for your money—plus the extras your special vehicle needs.
Bodily Injury Protection
This RV insurance coverage protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.
The insurance coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.
Property Damage Liability
This RV insurance coverage protects you from financial loss if you are found liable for damage to other people's property (e.g. light poles, fences, another vehicle, etc.) caused by your vehicle.
Uninsured Motorist Bodily Injury
This coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn't have insurance, or if you're struck by a "hit-and-run" driver that you cannot identify.
Uninsured Motorist Property Damage
This coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.
This insurance coverage pays benefits for the bodily injury or death of you and any passengers in your vehicle if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.
Personal Injury Protection (No-Fault)
This coverage pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a vehicle, or to any other property.
This coverage pays reasonable and necessary medical expenses up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.
This coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure. If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.This coverage is available only if you carry Comprehensive coverage.
This motorhome insurance coverage pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail.
If you plan to purchase Comprehensive coverage, selecting a higher deductible generally helps to reduce the cost of your insurance. Comprehensive is often required when your vehicle is financed or leased.
Towing & Labor
This RV insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)
If your vehicle becomes inoperable due to a covered loss and you need to rent a car, this coverage pays the cost of the rental car up to your policy limits. This coverage is available only if you carry Comprehensive and Collision coverage.
$500 Towing Expenses
Few insurance companies provide a benefit large enough to cover the real costs of towing a motor home. But with The Hartford motorhome insurance, each time your motorhome is disabled, you are guaranteed up to $500 for towing and labor costs and as an option, you can add unlimited coverage at an affordable cost.
$500 Emergency Expenses
When you're traveling more than 50 miles from home, and your RV is damaged or destroyed, you're protected with up to $500 for temporary housing, travel expenses, and costs to return your RV to your home or appropriate storage place. This added benefit to your RV insurance coverage is an extension of your Comprehensive and Collision protection.
$750 Transportation Expenses
Should your motorhome ever be damaged or stolen, you will be paid up to $25 a day for car rental, bus, train or other transportation expenses to a total of $750. In case of theft, the combination of emergency and transportation expense benefits will total a maximum of $750.
$50,000 RV Liability
While you're traveling and using your motorhome as a residence, you're protected with up to $50,000 in personal liability protection. This motorhome insurance coverage protects you from legal liability in the event of bodily injury to someone else, or damage to their property.
While you’re traveling in Canada, you can rest assured your motorhome is covered. While you’re traveling in Mexico, you're covered within 25 miles of the border, for up to 10 days, to the extent the law permits—but be sure to buy Mexican Liability insurance coverage at the border. It's required by Mexican law.