RV Insurance can protect your motorhome, travel trailer, camper and even your horse trailer.
Your RV is your home away from home. The last thing you want to do is worry about whether or not it is protected. Because we are local, independent insurance agents, we work with multiple companies that can insure you. This means that we can find the best coverage that meets your needs. It also means that if you have a claim, we are here for you.
Some things to consider when shopping for Recreational Vehicle Insurance:
- Motorhomes that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
- Liability coverage Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
- You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss.
Options tailored to your needs can include:
Stated Value: market value/actual cash value of the RV
Agreed Value: the insured amount, regardless of the current market value
Replacement Cost: will replace your insured RV with a new RV that is most like it
Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
Other additional coverage can include:
- Accident forgiveness
- pet coverage
- diminishing deductible and more.
Discounts can lower your premium. Ask your Insurance Ninja whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
Cordell Insurance Agency is independently owned and locally operated to handle your insurance needs. We focus on Nashville, Middle Tennessee and Kentucky and offer affordable and reliable insurance choices all across Tennessee and Kentucky.
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