RV Insurance

Collision

Damage to your vehicle that results from a collision with another vehicle or object can be covered under this plan.

Bodily Injury

This covers injuries sustained by you or others resulting from an automobile accident.

Uninsured and Underinsured Motorists

If an accident occurs with a driver who is uninsured or underinsured you can be reimbursed for the total cost of the accident.

Comprehensive Coverage

Comprehensive insurance covers pretty much everything collision coverage does not. Theft, fire, falling objects, vandalism, contact with animals, weather damage, and windshield cracks.

More About RV Insurance

These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit within those companies.

Factors for RV Insurance Premiums

The following factors can affect your RV Insurance Premiums:

Age

Driving experience

Driving record

Credit score

Financial stability

Type of RV/camper

Value of the RV/camper

Coverages for RV Insurance Policies

Vacation Liability

Provides liability coverage where the camper is parked and unhooked from the auto that pulled it. Be careful, as this is not always included!

Physical Damage

Please refer to the three settlement options above, of (1) Total Loss Replacement, (2) Actual Cash Value, and (3) Agreed Value.

Settlement options

Total Loss Replacement - Replaces insured’s camper, motorcycle, or ATV with a brand new one of similar make and quality.

Actual Cash Value - Subtracting depreciation from replacement cost.

Agreed Value - In the event of a loss the stated amount is paid without any adjustment for depreciation or appreciation.

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