Hummel can tailor a recreational vehicle policy to fit your specific needs. RVs can be fun, but they also expose you to increased risk for financial loss. Many of these coverages, motorcycles in particular, are like Auto insurance, but may require specialization depending on customized parts. RVs also open the possibility for increased liability. It’s important to make sure that you have proper coverage for injury to yourself or someone else.
Our agents will evaluate your Recreational Vehicle and build you a policy based on market value, agreed value, or Total Loss Replacement Cost, while also making sure your liability is protecting you from major claims. As an independent agent, we will shop for you to give you access to more companies and more competitive rates to find the best combination for all of your toys. Let Hummel help you to have more fun with better peace of mind.
The liability on your RV will cover damage to other vehicles, bodily injury to others, and any lawsuits arising from an accident. The amount of these costs that will be covered by your RV liability depends on the liability limits within your policy.
Many policies do extend into Canada, but additional coverage may need to be purchased to meet requirements of Mexican law. Check with your agent before taking your RV out of the country.
Make a list of all drivers for your RV and add them all to the policy. Adding new drivers after purchasing a policy is easily done.
Some carriers will provide a lay-up period or discount, but others have built this downtime into their regular rates.
Damage to your trailer is not covered by your auto policy unless you specifically add it. A separate specialized RV policy is also available for the physical damage of the RV trailer. Liability for an RV trailer will typically be extended from the insurance policy of the vehicle pulling the trailer.
Homeowners policies have limits on coverage outside of your property and require a deductible to be paid first. Motor home insurance can provide comprehensive coverage for personal belongings, and claims won’t affect your home rates since it is a separate policy.
No, an ATV off premises would not be covered by your homeowners liability. It must be added to an auto policy or have its own special RV policy if you take it off your property.
This means your Hummel risk advisor is going to provide you with a custom-tailored plan that's best for you, not our company.
To learn more about what this means for you, take a look at the Trusted Choice Pledge of Performance by clicking the Trusted Choice logo.
If you need to submit a claim, you get one of our full-time claim specialists to advocate for you with the insurance company and support you through the entire process, step-by-step.