Coverage

Motorhome Coverage Includes:

A. Third Party Liability   $2,000,000
B. Family Protection Endorsement (S.E.F. #44)   $2,000,000
C. Limitation of Amount Endorsement   SPF #19
D. All Perils   $250 Deductible*
*Other deductibles are available
E. Contents   $5,000*
*Can be increased to $10,000
F. Emergency Vacation Expense Coverage   $2,000

Replacement Coverage (S.E.F.#67) included for Motorhomes up to 5 years old!

Discounts:
KOA Membership Discount - 5%
RV Explorer Club - 10%




Travel Trailers, 5th Wheel, Tent Trailer & Truck Camper Coverage Includes:
All Risk - Replacement Cost Coverage (available for units up to 15 years old)

A. Required Amount of Insurance on Trailer (Current value including taxes)
B. Detached Private Structures (outbuildings)   $2,500
C. Personal Property   20% Value of Trailer
D. Emergency Vacation Expense   $2,000
E. Golf Cart   $5,000
F. Lock Replacement Coverage   Up to $250
G. Pet Injury Coverage   Up to $1,000
H. Deductible   Option of $200, $500, $1,000 or $2,500*
Ask about our Disappearing Deductible
Note: You can add Comprehensive Personal Liability as further protection - $2,000,000 limit for $20 additional premium

Named Perils - Standard Coverage (for units over 15 years old)
 
A. Actual Cash Value  
B. Detached Private Structures (outbuilding)   $2,500
C. Personal Property   20% of value of trailer (option to increase)
D. Emergency Vacation Expense   $1,000
E. Golf Cart   $5,000
F. Lock Replacement Coverage   Up to $250
G. Pet Injury Coverage   Up to $1,000
H. Deductible   Option of $200, $500, $1,000 or $2,500*
Ask about our Disappearing Deductible
Note: You can add Comprehensive Personal Liability as further protection - $2,000,000 limit for $20 additional premium

Discounts:
Mature Market(55+) - 10%
Rubber Roof - 5%
Supervised Park Discount - 10% (unit must be permanently located in a supervised park that is plowed and has year round access)
Claims Free - 5% (must be 3 years claims free)
KOA Membership Discount - 5%
RV Explorer Club - 10%




Park Model Trailer Coverage Includes:



All Risk - Replacement Cost Coverage (available for units up to 15 years old*)
A. Required Amount of Insurance on Trailer (Current value including taxes)
B. Detached Private Structures (outbuildings)   15% Insured value of Trailer
C. Personal Property   $40% Insured value of Trailer**
D. Emergency Vacation Expense   $1,000
E. Comprehensive Personal Liabilty   $2,000,000
F. Lock Replacement Coverage   Up to $250
G. Pet Injury Coverage   Up to $1,000
F. Deductible   Option of $500, $1,000 or 2,500*
Ask about our Disappearing Deductible

Discounts:
Mature Market(55+) - 10%
Rubber Roof - 5%
Supervised Park Discount - 10% (unit must be permanently located in a supervised park that is plowed and has year round access)
Claims Free - 5% (must be 3 years claims free)
KOA Membership Discount - 5%
RV Explorer Club - 10%

*must be original owners of unit
**more coverage can be purchased
Unit must not be occupied full time