American Modern Insurance Group

The companies of the American Modern Insurance Group are nationally recognized leaders in meeting the specialty insurance needs of more than one million policy holders in 49 states. American Modern’s parent - The Midland Company has been in business since 1938 and has been rated "A" (excellent) or "A+" (superior) for more than 20 consecutive years by A.M. Best.

Coverage’s Available

Depreciation Protection - American Modern offers two replacement options that protect your investment against costly depreciation.

Total Loss Replacement provides a new unit of the same model, class, body type, size and equipment in the event of a total loss (RV’s 1-5 years old)

Purchase Price Reimbursement refunds original purchase price of the unit, not what the unit would be worth the day of the loss (RV’s 6-10 years old)

Full Timers Coverage - Similar to homeowner’s, this coverage provides personal liability coverage if your RV is your permanent residence.

Personal Effects Coverage - Receive actual cash value for damaged possessions. Motorhome owners can select optional replacement cost coverage, which replaces lost or damaged items with new items of similar type and quality.

Mexico Coverage - A way to continue your coverage, even when traveling in Mexico.

Additional Quality Features

Various Payment Options - Pay premiums in one lump sum, or in convenient installments. Use Visa, MasterCard, Discover,or debit card - American Modern accepts them all!

24-Hour Roadside Assistance - Just a toll free call away, all year long.

Fast and Reliable Claim Service - Direct claims reporting service agents are on duty 8 a.m. to 7p.m EST, Monday-Friday.

*Information provided by American Modern Home Insurance Group

Please Note: Coverages may vary by state. These descriptions are intended only as a guideline. All terms and coverages are defined solely by your policy.

National Interstate Insurance Company

National Interstate designs its recreation vehicle insurance programs to provide superior protection for you and your motorhome, bus conversion or travel trailer. Over 20,000 RV’ers in over 30 states are insured by National Interstate RV insurance programs.

Coverage’s Available

Disappearing Deductible - Your deductible is reduced by one-fourth for each consecutive claim-free year.

Towing and Roadside Labor - Towing to the nearest authorized service location.

Campsite Liability Protection - Provides liability protection for you and your family while parked at a campsite location.

Full-Timer’s Coverages - Personal liability coverage plus coverage for your golf cart, jewelry, valuable property, storage shed and more.

Total Loss Replacement - If the RV is a total loss in the first five model years, we will replace your RV with a brand new comparable model. If you own, or are thinking of buying a new RV, you should consider this coverage to help protect your valuable investment.

Personal Effects - We offer personal property coverage for your cameras, tools, clothing, bicycles, etc.

Purchase Price Guarantee Option - Provides for payment of your original purchase price toward the purchase of a replacement unit if your covered auto is declared a total loss. You are protected against depreciation in the value of your covered auto until it is 10 model years old.

Replacement Cost Personal Effects - Provides replacement cost coverage for your personal property that is used in conjunction with your covered auto, such as clothing, cameras, tools, etc...

Mexico Coverage - Extends comprehensive and collision coverages to accidents that occur while your covered auto is being operated in Mexico.

Awning Replacement Coverage - Provides replacement cost coverage for losses to awnings. Awning losses are usually subject to depreciation- with this coverage no depreciation is applied.

Commercial Usage Endorsement - Normal RV policies exclude coverage for commercial use of the covered auto. With this endorsement the covered auto can be used for commercial purposes and all coverages will still apply.

High Valued Units

Claims Service - Our claims professionals are available 24 hours a day, 7 days a week to answer your calls. Let us know of your claim as soon as possible, so we can give you the fastest service.

Endorsed by RV Enthusiasts - National Interstate RV insurance is endorsed by the Spartan Chassis Club and the Newell Owners Club. Discounts available for club / association members plus discounts for CDL licenses, safety courses, anti-theft devices, extended RV storage and more.

RV Expertise - Our RV specialty agents have over 80 years experience - and offer free quotes.

*Information provided by National Interstate Insurance Company

Please Note: Coverages may vary by state. These descriptions are intended only as a guideline. All terms and coverages are defined solely by your policy.

Formost Insurance Group

Foremost motorhome policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies.

These coverages include:

Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, flood, landslide, hail, windstorm, animals, vandalism, low branches or overhangs, theft and lightning.

Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

Emergency expenses coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.

Campsite/vacation liability coverage that provides liability coverage when you are parked and using your motor home as a residence.

Foremost also offers Motor Home owners these optional coverages:

Total Loss Replacement Coverage that protects your motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five model years, and you’re the original owner, we’ll pay to replace it with a brand new one of similar kind and quality - no matter what it costs as long as you replace the motor home. In years six through ten, we’ll give you up to what you paid for it originally toward the purchase of another motor home.

This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your motor home at the time it’s destroyed. That’s the current value of your motor home.

Replacement Cost Coverage on personal belongings that are destroyed or stolen.

TraveLine® Towing and Roadside Assistance that eliminates the hassle of buying a separate towing plan. Available 24 hours a day, 365 days a year everywhere in the United States and Canada, towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. An experienced TraveLine® representative will find you the help you need using a vast network of more than 20,000 authorized service providers and qualified repair facilities. There are no out-of-pocket payments required, either. Just sign and drive. What’s more, your motor home is covered regardless of who is driving!

Full-Timer Coverage that provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your RV as a vehicle, a Foremost full-timer policy covers you when you are parked and using your rig as a residence, too.

*Information provided by Foremost Insurance Group

Please Note: Coverages may vary by state. These descriptions are intended only as a guideline. All terms and coverages are defined solely by your policy.

Progressive Insurance

The Progressive group of companies ranks third in the nation for insurance, with more than 12 million customers. Progressive customers enjoy great rates, superior customer service and innovative claims service.

These coverages include:

Roadside Assistance. - Provides towing to the nearest qualified repair facility and pays for necessary labor at the time and place of disablement when the RV is disabled. This coverage extends to trailers and vehicles being towed by a motor home and vehicles towing travel trailers, even if the tow vehicle is insured with another insurance company. If you use this coverage, you pay nothing out of pocket. Roadside assistance is available 24/7, anywhere in the U.S. or Canada.

Emergency Expense ($750 included with Comprehensive & Collision) - Pays up to specified limits for reasonable temporary living facilities, transportation expenses and the cost of returning the RV, if it becomes disabled due to a covered loss more than 50 miles away from the insured’s primary residence.

Replacement Cost Personal Effects - Pays up to specified replacement cost limits for loss of, or damage to, RV contents that are normally used in conjunction with the RV. Loss of, or damage to, certain items outside the RV is covered up to 25 percent of the Replacement Cost Personal Effects limit purchased.

Vacation Liability ($10,000 included with Comprehensive & Collision, except on policies with the Full Timer’s Package) - Pays up to specified limits for Bodily Injury and Property Damage for which the insured is legally responsible as a result of an accident that occurs while the RV is used as a temporary vacation residence. Limits up to $500,000 CSL are available.

Mexico Physical Damage (included with Comprehensive & Collision) - Automatically extends the Physical Damage portion of the policy to cover losses occurring in Mexico. This coverage is afforded only when a Mexican Liability policy has been purchased. In the event of a loss, the RV will be towed to the nearest qualified repair facility in the United States for repairs.

Trailer ($2,500 included with Comprehensive & Collision) - Provides $2,500 of physical damage coverage for utility trailers used in conjunction with the insured motor home. An additional $17,500 of coverage may be purchased for a maximum of $20,000 of coverage.

Fire Department Service Charge (included with Comprehensive & Collision) - This coverage pays up to $1,000 for an insured’s liability assumed by contract or agreement for fire department charges incurred when the fire department is called to save or protect the insured RV.

Full Timer’s Package - Provides coverage similar to a homeowners policy and is required for insureds who use their RV as a primary residence. Primary residence is defined as not owning or residing in another dwelling.

Full Timer’s Personal Liability - Pays up to specified limits for bodily injury and property damage for which the insured is legally responsible because of an accident. Up to $500,000 CSL coverage is available.

Full Timer’s Medical Payments To Others - Pays up to $50,000 for medical expenses of others who are injured because of an accident while on the property occupied by the RV that is used as a permanent or primary residence.

Full Timer’s Loss Assessment - Pays up to $5,000 for certain assessments charged to the Full Timer while he owns or is a tenant of property in an association.

Storage Shed Contents - Pays up to $5,000 for contents located in a shed owned, leased or rented by the insured at the time of loss.

Deluxe Package

Disappearing Deductibles - For each consecutive claim-free renewal, the original Comprehensive and Collision deductibles are reduced 25 percent. After the fourth consecutive claim-free renewal period, the deductibles are $0. Following a loss, deductibles return to their original amounts at the next renewal period. Any type of non-deductible related claim (e.g., Liability, Roadside Assistance, etc.) does not affect the disappearing deductible level.

Scheduled Medical Benefits Vacation Residence - Pays scheduled dollar benefits to the named insured or spouse for loss of life, hand, foot, eye or the ability to work.

Information provided by Progressive Insurance

Please Note: Coverages may vary by state. These descriptions are intended only as a guideline. All terms and coverages are defined solely by your policy.