What does a specialty RV policy cover that an auto policy doesn ?
Since the specialty RV policy is designed exclusively for the RVer, it makes sense that it includes a whole list of coverages not provided by a policy developed to accommodate the average auto owner. Total Loss Replacement is an extremely important specialty RV coverage that provides the RV owner with a new RV of like make and model in the event of total loss in the first five vehicle model years. This means depreciation is not added into the settlement costs and the RVer drives away with a new RV. Other features include Agreed Value for classic motorhomes and bus conversions; Disappearing Deductibles, which reduce your deductibles 25% for each year you remain claim-free; Emergency Expense Coverage; Unlimited Towing and Roadside Assistance; and coverage that follows you into Canada and Mexico.
