RV Insurance Plans and Policies

Gallen Insurance works with some of the top RV Insurance companies in the industry, ensuring that your recreational vehicle’s insurance policy has coverage that will allow you to relax and enjoy the time you spend in your RV.

Why Do I Need RV Insurance?

Similar to auto insurance, if you own a recreational vehicle, you will need to have and be able to show proof of insurance coverage including bodily injury, property damage and medical payments.

For recreational vehicles with a motor you will need coverage like you do for an auto, for towable RV’s like a travel trailer or 5^th wheel, the liability extends from the vehicle doing the towing.

RV Insurance provides peace of mind and protection if you are involved in an accident or lawsuit. Without insurance you would be fully responsible for damages and medical payments that could come at a significant financial burden. Having RV insurance ensures you and your family are protected every time you head out on the road.

Our RV specialist with help you customize coverage with features that matter the most to you while saving you money. Examples of optional coverages are listed below.

Emergency Expense Coverage:

Coverage if the RV becomes inoperable due to a covered Comprehensive or Collision loss more than 50 miles from the insured’s residence or storage facility. This coverage pays up to the selected limit for:

• Temporary living facilities.
• Transportation back to the insured’s residence.
• Cost of returning RV to the insured’s residence, if RV was not declared a total loss.
• Rental charges while the covered vehicle is being repaired.

Vacation Liability Coverage

Covers an accident that occurs while the RV is used as a temporary vacation quarters for which the insured is legally responsible. Coverage pays up to the selected limit for Bodily Injury & Property Damage. Comprehensive coverage is required and includes $10,000 of coverage. Vacation Liability is included in Full-Timers so only one can be selected on the policy.

Personal Effects

Coverage for the insured’s personal items that are normally used in conjunction with the insured vehicle. Provides coverage up to the specified limit. A deductible will apply.

Roadside Assistance/ Trip Interruption

Coverage while a covered vehicle is disabled and being towed or loaded, unloaded on the trailer due to a covered emergency. Roadside/Trip Interruption: Available 24/7 in the U.S. and Canada.

• Towing: Towing the nearest qualified repair facility.
• Winching Service: Pulling a covered vehicle out of an area with a motor-powered cable or chain. Usually offered when a vehicle is trapped in mud, snow, water, or sand within 100 feet of road or highway.
• Battery Jump-Start: Get a jump-start if a battery fails.
• Fuel Delivery: Fuel delivered directly to the covered vehicle. The insured is responsible for the cost of fuel.
• Trip interruption: Provides daily maximums of $100 for lodging, $50 for alternative transportation, and $50 for food while the trailer or motor vehicle is being repaired, up to $500 per occurrence. The mechanical breakdown or accident must occur more than 100 miles from the insured’s primary residence.

Disappearing Deductible

Reduces the deductible amount for comprehensive and collision claims. For each consecutive claims free year, the original deductible reduces by 25%. After 4 renewals, the deductible amount is $0. If there is a claim on the policy, including trailer claims, the deductible will return to the original amount.

Our insurance agents are specialized in each line of insurance we offer and work with a variety of carriers to deliver the most adequate coverage, best plans and lowest rates for all types of insurance!