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Because 99% protection isn’t enough!
Peace of mind is having your valuable recreational vehicle fully covered. That’s
the #1 advantage to Explorer RV Insurance, which provides the most comprehensive insurance
benefits in the industry.
Coverage options let you choose.
Total Loss Replacement
If your motor home, bus conversion, travel trailer or fifth wheel is a total loss
during the first five model years, we will replace the vehicle with a brand new comparable
model. Beyond five model years, we will pay the amount you originally paid for the
coach toward the purchase of a replacement. In either case, you are protected against
depreciation of the RV.
Disappearing Deductible
For each claim-free policy year, the selected deductible will be reduced by 25%. Have
four consecutive claim-free years and you’ll have no deductible to pay in the
event of a loss. Once a claim is paid, your deductible is restored to the original
level shown on your policy.
Replacement of Personal Items
We will replace the RV owner’s lost, stolen or damaged personal items normally
carried on trips, such as clothing, sporting equipment and cameras.
Full-Timers’ Coverage
If you use your RV as a primary residence for more than five months out of the year,
you need our Full-Timers’ coverage. Protection for your special needs includes:
- Personal Liability coverage, similar to homeowners’ liability, at limits
up to selected auto liability limits.
- Value property coverage for items such as jewelry, cameras, and sports equipment.
- Golf cart coverage.
- Coverage for storage shed where personal items are stored.
Higher Liability Limits
Liability and uninsured/underinsured motorists coverage limits up to $1 million.
Towing and Labor Reimbursement
Reimburses you for the reasonable cost of towing your RV to the nearest qualified
service facility.
Emergency Roadside Assistance
Around the clock rescue, 365 days a year. Emergency Roadside
Assistance will cover the towing of all automobiles
in your household, in addition to your RV! From running out
of gas, to blowing a tire, to locking your keys in the
car, enjoy the peace of mind that help is on the way with
one toll-free call.
Emergency Expense Coverage
Covers up to $750 in costs caused by an emergency when your RV is damaged or destroyed
by a covered hazard.
Fast, Easy Claims Service
Our 24-hour, 365 days-a-year claims service is available on our toll-free number from
anywhere in the U.S. or Canada.
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Save even more money
by qualifying for these discounts:
RV Association membership
Receive a discount if the RV owner is a member of a national or regional RV association
such as Good Sam, Camping World President’s Club, Escapees, FMCA or Thousand
Trails. A copy of your membership card must accompany your application.
Manufacturers’ club membership
Receive a discount if you’re a member of the owners’ club for Winnebago,
Holiday Rambler, Allegro, Coachmen, Gulfstream, Newmar, Monaco or other approved clubs.
Defensive Driver/“55 Alive”/CDL
Receive a discount if your principal operator of the RV has completed the “55
Alive” or other state-certified defensive driving course. A current Commercial
Driver’s License (CDL) also qualifies. A copy of your license or course completion
certificate must accompany your application.
Audible alarm
Receive a discount if an audible alarm, which deters entry to the living area, is
installed on your RV.
Other discounts are available on a state-specific
basis.
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