The Essex Agency is your local representative to national insurance companies.
Whether you have a Travel Trailer or a Motorhome The Essex Agency has the insurance companies to insure your “home on the road.” Not all companies offer the same coverage options and your homeowners policy can’t offer the coverage you need, when you are traveling in your RV. We’ll ensure that both the RV itself, as well as your belongings inside, and the awning attached are all adequately covered. The agents at The Essex Agency can help you make the best choices for your specific RV, Travel Trailer, Camper, or Motorhome, and the type of adventure that lays ahead. Happy Trails!
The benefits of an independent insurance company.
Save time calling around when you allow us to do the shopping for you! When applying for car insurance coverage, The Essex Agency will research more than a dozen highly rated insurance companies to find the best combination of the coverage you desire, at the best available premium. Contact us today to get your quote!
Important motorhome & camper insurance coverage definitions:
RV stands for Recreational Vehicle and, in the context of this insurance policy, the RV Policy covers Motorhomes, Campers, Travel Trailers, Fifth Wheel Trailers, and Truck Campers. While each of these different forms of travel are covered by the same policy, how the coverages are applied, changes by how the RV is used. The insurance agents at The Essex Agency understand the liabilities that arise around travel and will ensure you receive the correct coverage for your RV.
Motorhome Coverage
Motorhome insurance policy coverage differs from the other forms of RVs in that it has an engine, and provides a mode of transportation. Because of this, many coverages are similar to standard auto policies. Forms of coverage to consider are:
Much like your auto policy these coverages apply and your agent will help you select them:
- Liability Coverage
- Uninsured/Underinsured Motorist
- Medical Payments
- Comprehensive Coverage
- Collision Coverage
- Rental Reimbursement
- Towing Reimbursement
Unique coverages of the Motorhome Policy are:
- Carried Contents – Pays to replace your personal items inside the Motorhome in the event of a total loss.
- Premises Liability – Like your homeowners policy, this provides premises liability coverage for your motorhome when you are on the road.
Travel Trailer, Fifth Wheel, & Camper Coverage
When your RV is connected to a passenger vehicle for towing, liability coverage from the vehicle policy extends to cover the RV. For this reason, you need only consider adding premises liability coverage.
- Comprehensive & Collision Coverage – Pays to repair the Motorhome much like your auto policy coverage would.
- Carried Contents – Pays to replace your personal items inside the trailer or camper in the event of a total loss.
- Premises Liability – Like your homeowners policy, this provides premises liability coverage for your motorhome when you are on the road.
