R.L. Milsner, Inc. Insurance Brokerage

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Let R.L. Milsner Insurance help you select the right coverage for your RV needs.

Recreational Vehicle Insurance

• RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
• Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.
• You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
  • Stated Value - market value/actual cash value of the RV
  • Agreed Value – the insured amount, regardless of the current market value
  • Replacement Cost – replace your insured RV with a new RV that is most like it
• Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
• Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
• Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.