If you live in your RV for over six months out of the year, Progressive should be a top choice for insuring your vehicle with its full suite of liability coverages.
Stay Covered in Emergencies
Progressive’s comprehensive and collision coverages protect your RV in the event of physical damage from both acts of nature and accidents.
You can add Progressive’s RV Roof Protection Plus coverage as well, which covers the cost of both wear-and-tear and accidental damage to the roof. This coverage even protects against damages that a malfunctioning roof can cause to other parts of your RV.2
Be aware that all of the above coverages come with a deductible that you must pay before Progressive will begin covering your repairs.
If you get into a covered RV accident more than 50 miles from home, Progressive will pay for your transportation and housing costs for up to $2,000. This coverage will help pay for hotel and rental car costs while your RV is in the shop as well. And if your RV is totaled in an accident, Progressive will replace it with a comparable model, even if that costs more than what you paid originally.
Most recreational RV policies include vacation liability coverage, which covers you for injury or damages that occur on short trips. This is perfect for those that use their RVs occasionally for family vacations.
If you live in your RV for more than six months in a year, however, many companies consider you a full-timer. You’ll need to purchase full-time RV insurance, which covers you and your guests against liabilities and injuries in a similar way that homeowners insurance protects visitors to your home.
Progressive’s full-time RV insurance includes the following.
- Personal liability insurance: This pays for property damage and injuries that you are responsible for from an incident that occurs while you are parked (for example, if someone trips and falls while entering your RV due to a faulty staircase).
- Medical payments: Medical payments coverage covers medical expenses for anyone injured in or near your parked RV.
- Loss assessment: This covers repairs to common areas or other property in the area where you park your RV.
Note that these coverages kick in when your RV is parked. If an accident occurs while you are driving, then your recreational RV insurance policy will provide coverage.
DID YOU KNOW?
If you are a full-timer that lives in your RV, you need to purchase additional liability coverage to protect you and the people around you. This coverage applies only when your RV is parked, typically.
Sometimes you can save by sticking to a single insurance provider for a longer period of time. Progressive provides a variety of discounts that reward loyalty to the company:
- Accident forgiveness: From the moment you start your coverage, Progressive forgives accidents with claims of $500 or less automatically, meaning your rates won’t increase after a small accident. Once you’ve spent at least four accident-free years as a Progressive RV insurance customer, your rates will not go up after an RV accident of any size.
- Disappearing deductible: After each year on your RV policy with zero claims, Progressive will reduce your deductible by 25 percent. This discount applies year after year, meaning you can reduce your deductible almost all the way down to $0!
- Claim-free renewal: Each time you renew your Progressive RV policy, you’ll get an automatic discount on your rate if you have zero at-fault claims.
- Multipolicy discount: You’ll get a discount when you bundle other types of Progressive policies like homeowners, motorcycle, or boat insurance.