Find the Right RV Insurance for Your Needs and Budget
As an independent RV insurance agency, Lazydays can help you secure the recreational vehicle insurance coverage that’s just right for you. We have 35 years of specialized motorhome insurance experience and relationships with the most trusted and knowledgeable recreational vehicle insurance resources, which allows us to offer the best motorhome insurance coverage at the best rates. Whether you’re purchasing a new or used RV from Lazydays or seeking better RV insurance rates for an existing motor home, fifth wheel or travel trailer, insurance options can be customized to suit your unique needs and budget.
Specialized recreational vehicle insurance combines elements of auto and homeowner’s insurance coverage at a price that is comparable to standard auto insurance. We make it easy and affordable to obtain recreational vehicle insurance for RV lifestyles of every kind, from occasional weekend escapes to summer vacations to full-time living. Our RV insurance partners will compete for your business, so you’ll get multiple motor home insurance quotes from a single inquiry. And because we’re an independent RV insurance agent, our only interest is providing the information you need to make an informed decision about your motor home insurance.
From trailers to motorhomes, insurance to financing, roadside assistance to protection packages, you’ll find it all in one place at Lazydays. In addition to providing no-obligation RV insurance quotes, we also offer a free motorhome insurance seminar every week in our customer education center.
Explore your recreational vehicle insurance coverage options below, then call 866-317-4017 or fill out the form to the right for more information. One of our highly knowledgeable RV Insurance Specialists will guide you through your choices and help you obtain motor home insurance that provides peace of mind, enabling you to sleep better and enjoy your RV dream without worry!
Specialized RV Insurance Coverage Options
Whether you’re comparing recreational vehicle insurance for towable trailers or engine-driven motorhomes, insurance for RV owners encompasses many types of coverage. Following are some of the many options available for your customized motorhome insurance policy:
Total Loss Replacement (TLR) – Also known as Replacement Cost Coverage, TLR motorhome insurance reimburses the entire replacement cost if your trailer or motorized RV is totaled. This type of RV insurance coverage is only available for units that are less than two years old when the policy is written. If the damage occurs within the first five model years, TLR motorhome insurance will typically replace the RV with a brand new vehicle. After the sixth model year of most motorhomes, insurance companies will usually convert the TLR policy to a Purchase Price Guarantee or Actual Cash Value policy.
Purchase Price Guarantee (PPG) – In the event of a total loss, a PPG motor home insurance policy will reimburse your purchase price. This type of recreational vehicle insurance covers RVs that are more than two years old, and requires documentation of your original purchase price. Some motor home insurance companies extend this policy for the life of the RV, while others offer PPG coverage for the first 10 model years and then convert to an Actual Cash Value policy.
Actual Cash Value (ACV) – ACV is the most common type of recreational vehicle insurance policy. In the event of the total loss of your motorhome, fifth wheel or travel trailer, insurance companies will pay the depreciated fair-market value for your RV.
Vacation Liability – This type of recreational vehicle insurance covers slip and fall injuries while your RV is parked. If someone is injured at your campsite, your liability exposure will be covered up to the specified policy limits.
Full-Timer Coverage (FTC) – Similar to a traditional homeowner’s policy, full-timer’s liability coverage includes personal liability as well as additional living expenses. An FTC motorhome insurance policy provides protection for accidents and addresses the unique needs of full-time RVers.
Diminishing Deductible Coverage – This type of motor home insurance coverage rewards good drivers. Your original comprehensive and collision deductibles will be reduced by 25% for each claim-free year. If a loss occurs after the fourth year, you pay no deductible.
Personal Contents Replacement Coverage – This RV insurance coverage protects personal property such as housewares, clothes, tools and sporting goods. It provides full replacement cost for items that are stolen or damaged, whether the vehicle is parked, stored or in transit.
Add-On and Tow Dolly Coverage – Most recreational vehicle insurance policies automatically cover items like awnings, antennas, external racks and satellite dishes at no extra charge. Tow dollies and trailers are often covered, as well.
Agreed Value Coverage – This type of RV insurance is available for classic coaches and bus or van conversion vehicles that don’t have a standard market value. You’ll need a bill of sale or qualified appraisal to lock in your motorhome’s value.
Roadside Assistance – Most motorhomes insurance policies include 24-hour emergency roadside assistance. Your RV will be towed to the nearest qualified repair facility, regardless of cost. These policies may also extend to tow or towed vehicles used in conjunction with the RV.
Emergency Travel Expense Coverage – If your RV is incapacitated due to a covered loss, most recreational vehicle insurance policies cover the cost of a rental car and/or hotel room while your RV is being repaired.
Your recreational vehicle insurance policy may combine one or more of the coverage types outlined above. To determine the best motorhome insurance coverage for your needs and budget, call 866-317-4017 or fill out the form above. Our RV Insurance Specialists will help customize the ideal policy for your RV lifestyle.