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Frequently asked questions about RV insurance

RV Frequently Asked Questions

With TravelStar, is replacement cost coverage provided for my RV and its contents?

The Replacement Cost Endorsement provides replacement coverage for each motor home and/or RV named in the policy IF the insured vehicle is destroyed within the first five years of the vehicle's life AND the insured is the original owner. The Replacement Cost for Personal Effects Endorsement includes coverage for the personal effects used in, on, or in conjunction with the covered vehicle, but not permanently attached to the vehicle - in amounts ranging from $5,000 to $25,000. Comprehensive or Comprehensive and Collision Coverages must be carried for this replacement coverage to apply. Higher replacement coverage limits are available in conjunction when the Full Timer Endorsement is carried.

Will the Full Timer endorsement provide adequate comprehensive personal liability coverage if we sell our house?

Our company's unique Full Timer Endorsement is available to cover motor homes or RVs, which are the sole residence of the insureds. This endorsement is provided for insureds who do not own a home or condominium or rent an apartment at any time during the year, whose vehicle(s) are registered in the state in which coverage is bound and who have established a permanent mailing address.

The Full Timer Endorsement provides Personal Liability and Medical Payment to Others Coverage similar to these types of coverages found in a homeowners policy. The limit of Personal Liability Coverage under the Full Timer Endorsement is dependent upon the vehicle's Bodily Injury Liability Limit. Contact a local American National agent for the available coverage limits.

Are premiums reduced during seasonal storage?

The seasonal and infrequent use of motor homes and RVs has been factored into the premium rates in TravelStar policies; therefore, coverages under the TravelStar policy may not be removed and reinstated within a policy period.