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 |
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| E. Contents | $5,000* *Can be increased to $10,000 |
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| 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 |
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| 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) |
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| 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 |
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| 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*) |
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| 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 |
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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