Insuring your RV with an auto policy may leave you exposed to an unpleasant surprise if you need to file a claim someday. Standard auto policies leave insurance gaps by not including coverage for the specialized features of RVs, something that shouldn't be discovered at the time of a loss. Make sure your investment is properly protected with a specialty RV insurance policy.

Total Loss Replacement
Covers the full replacement if it's destroyed by a loss covered in the policy and replaced with a similar unit within the first five model years, protecting you from depreciation. This coverage converts to Purchase Price in model year 6.

Disappearing Deductibles
Comprehensive and collision deductibles are discounted by 25% for each claim-free year. After four claim-free years you pay nothing on your claim.

Agreed Value Coverage
Ideal for owners of classic RVs and bus conversions-vehicles that don't have a standard market value. With a bill of sale or qualified appraisal, you can lock in the vehicle's value up front. So you'll know just what the settlement will be if you experience a total loss.

Full-Timer Coverage
Without a homeowner's policy, full-time RVers are left with major exposures an auto policy will not cover. Personal liability, additional living expenses, and expanded personal effects coverage are available on our specialized RV policies.

Personal Contents Coverage
Covers personal property, such as housewares, tools, clothes, and sporting goods, at full replacement cost. A homeowner's policy may provide coverage, but there are often coverage limitations on off-premises property and exclusions for losses resulting from a collision.

Emergency Expense Allowance
Pays for hotels, rental cars, even a ticket home if your RV is unusable due to a covered loss-helping reduce your out-of-pocket expenses.

Expanded Towing/Roadside Assistance
Some auto policies may provide towing and roadside assistance; however, they typically offer low limits, on a reimbursement basis, with no dispatching service. This often leaves RVers responsible for the majority of the bill. Our policies provide for towing to the nearest qualified repair facility, no matter how far away it is. Sign-and-drive coverage is available, which means no out-of-pocket expense for you. This coverage extends to a towed or towing vehicle when it's being used in conjunction with the RV.

Campsite Liability
If someone is injured at your campsite and you're found to be liable, this pays for property damage or bodily injury.

When Specialty RV insurance goes head to head with a standard auto policy, the coverage differences are staggering. Below are some of the features available on specialty RV policies. Call PoliSeek RV to find out how to properly protect your new vehicle and personal contents, and reduce your out-of-pocket expenses after an accident.

Total Loss Replacement
Covers the full replacement if it's destroyed by a loss covered in the policy and replaced with a similar unit within the first five model years, protecting you from depreciation. This coverage converts to Purchase Price in model year 6.

Agreed Value Coverage
Ideal for bus conversions and restored RVs. For total losses, pays the agreed-upon vehicle value as pre-determined by a qualified professional appraisal or bill of sale.

Full-Timer Coverage
Comprehensive personal liability, expanded personal contents and emergency living expense coverage.

Personal Contents
"New for old" replacement cost coverage for damaged or stolen belongings.

Emergency Expenses
Reimburses for transportation and lodging if RV is unusable due to a covered loss.

Campsite Liability
Pays for expenses resulting from injuries occurring at your campsite if you're liable.

Storage Option
Suspend collision and liability when RV is not in use.

Towing and Roadside Assistance