Motor Home & RV
Whether you’re driving your RV cross-country or parking it at a local campground, be sure you have the right insurance protection. With a custom Auto-Owners insurance policy, you can enjoy time in your motor home, travel trailer or camper knowing you’re covered.
Your independent agent will help you choose the right coverage, so you can be certain that you’re protected. At Auto-Owners, we offer competitive rates and coverages that can be tailored to your specific needs. Find your local independent agent representing Auto-Owners today!
Covers the cost of repairing or replacing your motor home or RV if you’re involved in an accident.
Pays for damages to your motor home or RV caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal, etc.
Bodily Injury Liability and Property Damage Liability
Payment for damages for which you are responsible, such as injury or property damage to others, and also legal defense if you are sued.
This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.
Medical Payments and Personal Injury Protection
These two coverages will pay for medical expenses, hospitalization and rehabilitation expenses resulting from injury to the insured or a passenger.
This will protect any personal property you have or use in conjunction with your motor home or RV.
Road Trouble Service
Lock your keys in the car? Run out of gas? No Problem®! If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need. Customers with this coverage can call us at 1-888-TOW-AOIC (1-888-869-2642) 24 hours a day, 7 days a week, 365 days a year in all 50 states and Canada.
When you can’t use your motor home or RV due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental motor home or RV. And, if you’re stranded away from home, food, lodging and other incidental expenses will be covered.
Ways to Save
Receive premium savings when you have other qualifying policies with Auto-Owners.
Life Multi-Policy Discount
Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.
You may qualify for a discount if you have paid your premiums on time in the past 36 months.
Save more if you pay your annual policy premium in full and on time.
When you enroll in paperless billing and pay your policy premiums online, you may qualify for this discount.
A discount is available for new applicants who request a premium quote prior to the effective date of the policy.
Safety Feature Discounts
You may qualify for this discount if your vehicle is equipped with certain safety features, such as anti-lock brake system (ABS), airbags or anti-theft devices.
Driver Safety Program Discount
If any driver on your policy is over the age of 50 and has received a certificate for a driver safety program established in accordance with local state law, you may be eligible for this discount.
Depending on your age and if you have no drivers under the age of 25 on your policy, you may qualify for this discount.
Assuming some of the risk yourself by choosing a higher deductible, may reduce your policy premium.
Favorable Loss History
Receive a lower premium for favorable loss history.
How do I get a quote?
We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote.
This material is intended as a general guide or primer only and analysis of coverage is in general terms for the sake of simplicity and understanding. Any of the content provided on this webpage is superseded in all respects by the Insuring Agreements, Endorsements, Exclusions, Terms and Conditions of the Policy. The material on this webpage is not an exhaustive list of the coverages available. Some of the coverage mentioned in this material may not be applicable in all states or may have to be modified to conform to applicable state law. Some coverages may have been eliminated or modified since the posting of this material.