Replacement cost coverage is available on newly purchased motorhomes, travel trailers, and campers (not available on horse or utility trailers) that have not been previously titled and are up to one model year old. Coverage may be maintained until the vehicle is 10 model years old. Comprehensive and Collision coverages are required. In the event of a total loss, this coverage will replace the current RV with a previously untitled RV that is to the extent possible, the same make, class, size and body type with comparable equipment for up to 120% of your vehicles original purchase price. This coverage is not available on motorhomes valued at more than $750,000.

Agreed Value coverage is available on motorhomes, travel trailers, and campers (not available on horse or utility trailers). Comprehensive and Collision coverages are required. In the event of a total loss, agreed value coverage will pay the value reflected in the declaration.