Recreational Vehicle Insurance

  Looking For Insurance For Your Recreational Vehicles or Motorhome?

You've come to the right place. Keep in mind, unless you have a true recreational vehicle insurance package, you could be in for an unpleasant ordeal should you experience a loss with your RV. Without true Recreational Vehicle insurance, your emergency expenses incurred while traveling would undoubtedly come out of your own pocket. At CL Butcher Insurance Agency, our A + rated motorhome insurance, ATV, and travel trailer insurance companies provide coverages far above and beyond the modest coverage provided by your auto insurance company. RVers encounter situations that are unique to travel life on the road. Some of our carriers offer enhanced motorhome insurance coverage including:

• Total Loss Replacement – provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years. When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price.  After the seventh model year, the settlement is on an actual cash value basis.
• Replacement Cost Personal Effects – pays for the replacement of your personal items in your RV that resulted from a covered loss. $5,000 of Replacement Cost Personal Effects coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
• Vacation Liability – pays for Bodily Injury and Property Damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
• Emergency Expense coverage – pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
• Special Windshield Deductible – charges nothing for RV windshield repair, and $50 for RV windshield replacement.
• Recreational Vehicle Medical Payments coverage – pays the cost for necessary medical treatment that is caused in an RV accident, regardless of fault.

If you have any questions, please call us and we will be happy to answer any questions you may have about motorhome insurance. 

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