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RV Total Loss Replacement Coverage

By June 7, 2021November 12th, 2021Personal Insurance

RV sales are booming and so is the need to insure your new investment. You want to worry less about insurance and spend more time on the road and at your vacation destination.

When it comes to insuring your new RV, traveler trailer or any other type of recreational vehicle, make sure to ask about Total Loss Replacement Coverage.

This coverage will replace a totaled RV with a new model of similar make and quality, which means no depreciation. Coverage is specific to each individual insurance carrier (as well as the name of the coverage) so make sure to ask for full replacement cost coverage when looking at insurance for your new RV.

Additional RV Coverages To Know

There are other RV insurance coverages to know besides Total Loss Replacement Coverage. Below are some coverage options to consider from one of our premier partners, Progressive Insurance:

  • Pest Damage ProtectionSM — provides coverage for damage to motor homes and non-stationary travel trailers caused by rats, mice, insects, birds, other nondomesticated animals
  • Roof Protection Plus® — Provides coverage to repair or replace the vehicle’s roof if it malfunctions, even if the cause is wear and tear. This coverage also includes damage to other parts of the vehicle caused directly by the roof’s malfunction
  • Emergency Vacation Expense — provides up to $2,000 for lodging and transportation if an RV is damaged during a trip
  • Disappearing Deductibles — reduces the deductible by 25 percent at each claim free renewal
  • Full Timer’s Package — extra coverage for customers who use an RV as their home
  • Replacement Cost Personal Effects — protects the insured’s personal items including cameras, clothes, cell phones, etc.
  • 24-hour Roadside Assistance — provides assistance for disabled vehicles – and we’ll be sure to send a tow truck that can handle your customer’s RV
  • Windshield coverage — $0 deductible option for replacing a damaged windshield
  • Free Pet Injury coverage — pays up to $1,000 toward veterinary fees or the pet’s replacement



By representing multiple insurance companies across the country, we are able to help you find the right coverage options for your needs. That means we can compare coverage and rates to help you secure a policy that works for you, giving you the power of choice when it comes to protecting the important things in life.