Get to Know Your RV, Trailer, and Motorhome Coverage Options
Embark on your next adventure with peace of mind, knowing that Safeco offers comprehensive coverage for all your RV, trailer, and motorhome needs. We understand that your home on wheels is more than just a vehicle—it’s your ticket to freedom and exploration. In this guide, we’ll walk you through the unique coverage options we provide, allowing you to focus on the open road ahead.
Tailored Coverage for Your Mobile Home
Safeco offers a range of coverage options specifically designed to protect your RV and its contents, ensuring you have the freedom to enjoy your journey without worry. Let’s delve into these coverage options:
Standard RV Coverage
1. Personal Property Coverage
Your RV is not just a mode of transportation; it’s your home away from home. Our Personal Property Coverage safeguards your belongings within the RV. In the unfortunate event of damage or theft of personal items while in your RV, this coverage provides the protection you need.
2. Audio-Visual and Custom Equipment Coverage
Many RV enthusiasts customize their vehicles with audio-visual and custom equipment that wasn’t originally installed by the factory or dealership. Safeco’s Audio-Visual and Custom Equipment Coverage ensures that these valuable additions are protected in case of damage or theft.
3. 24-Hour Roadside Assistance
We understand that breakdowns can happen, leaving you stranded on the road. Our optional 24-Hour Roadside Assistance is here to help. From jump-starts to tows, we’ll get you back on the road so you can continue your adventure with confidence.
Optional RV Coverage
4. Emergency Assistance Coverage
Life on the road can come with unexpected challenges. Our Emergency Assistance Coverage goes beyond standard roadside assistance by adding coverage for personal property, temporary living expenses, and transportation costs if your RV becomes unlivable. This ensures you have comprehensive protection during your travels.
5. Loan or Lease Protection Coverage
If your RV is financed, our Loan or Lease Protection Coverage bridges the gap between the remaining loan/lease amount and the actual value of your RV in the event of a total loss. This coverage provides financial security, allowing you to focus on getting back on the road.
6. Personal Effects Coverage
Optional Personal Effects Coverage extends protection to personal items used both inside and outside of the RV or motorhome. This coverage ensures that your belongings are covered, no matter where you are on your journey.
Explore More Coverage Options
At Safeco, we understand that every RV owner’s needs are unique. That’s why we offer a wide range of additional coverage options to cater to your specific requirements. To determine the best coverage for your RV, connect with a licensed independent agent near you. They’ll work closely with you to create a policy that aligns with your travel goals and ensures your peace of mind.
Savings for Adventurous Spirits
Safeco appreciates your spirit of adventure and offers various discounts to help you save on your RV insurance:
1. Accident Prevention Course Discount
For safety-conscious RV operators, we offer a discount if you successfully complete an approved accident prevention course. This discount rewards your commitment to safe and responsible driving.
2. Anti-Theft Device Discount
Protecting your RV from theft is essential. If your RV is equipped with anti-theft devices, you may qualify for a discount on your insurance premiums.
3. Private Passenger Discount
When you bundle your RV insurance with your auto policy, you can enjoy added savings with a private passenger discount.
4. Enroll Your RV in Safeco’s Diminishing Deductible
Safeco rewards your responsible RV ownership. By remaining claim-free, you’ll see a reduction of $100 in your collision deductible with each annual policy renewal, up to a maximum of $500 or for five years. This helps lower your out-of-pocket expenses in case of a claim.
Insure Your Freedom with Safeco
Your RV, trailer, or motorhome represents your ticket to freedom and adventure. Safeguard that freedom and protect your cherished mobile home with the comprehensive coverage options and savings available through Safeco RV insurance. Whether you’re a full-time RVer or a weekend wanderer, we’re here to ensure your journeys are worry-free.
Connect with Safeco Today
To explore the ideal coverage options for your RV, trailer, or motorhome, and to embark on your next adventure with confidence, don’t hesitate to reach out to a licensed independent agent near you. They possess the expertise needed to tailor a policy that suits your unique travel needs, ensuring your home on wheels is always protected.
Stay Informed with Safeco’s Mobile App
Managing your RV insurance has never been easier. With the Safeco Mobile App, you can access your policy information and take care of important tasks while on the road. Here’s what you can do with the app:
- Obtain digital ID cards for your RV insurance.
- Conveniently pay your insurance premiums.
- Access and review your policy documents.
- Get prompt assistance in case of a breakdown or any other covered incident.
Common RV Insurance Questions
Do you have questions about RV insurance? Here are answers to some frequently asked questions:
1. Should you just add your RV to your existing auto policy?
While it’s possible to add your RV to your existing auto policy for liability and physical damage coverage, doing so may leave you with coverage gaps. When you add your RV to your auto policy, you typically receive only actual cash value for your trailer, motorhome, or camper. This coverage may not extend to personal property, awnings, generators, and other equipment. Additionally, vacation liability coverage, which protects you in case someone is hurt in or around your RV, may not be included. To ensure comprehensive protection, it’s advisable to have specialized RV coverage.
2. Is Safeco auto insurance required as well?
No, Safeco RV insurance can be purchased as a standalone policy. However, bundling your RV and auto insurance on the same policy can qualify you for a multi-vehicle discount on your premiums. Additionally, if you insure your home, condo, or apartment with Safeco, you may receive an additional discount.
3. What kinds of RVs does Safeco cover?
Safeco provides coverage for a wide range of recreational vehicles, including Class A, B, and C motorhomes with values up to $1 million. We also cover fifth wheels, conventional camper trailers, pop-up campers, truck-mounted campers, toy haulers, and utility and horse trailers valued at up to $300,000. However, these values may vary from state to state.
4. Does Safeco cover RVs used for business or commercial purposes?
No, Safeco RV Insurance covers vehicles used for personal recreation only. We do not offer coverage for any RV driven or towed to and from work or a work location, including any RV used by touring entertainers, construction workers, and race car drivers.
5. What if you plan on living in your RV for the summer?
If you use your RV for fewer than 250 days per year, Safeco RV insurance has you covered. Whether you’re a seasonal traveler or a year-round adventurer, our coverage is designed to meet your needs.
So, as you gear up for your next adventure, rest assured that Safeco has your back. Explore, roam, and create memories, knowing that your RV, trailer, or motorhome is protected with the right coverage from Safeco. Connect with a licensed independent agent today and hit the road with confidence.