Recreational Vehicle (RV) Insurance

RV insurance covers your travel trailer, motorhome, camper unit, tent trailer, or fifth wheel in case of loss or damage. It also includes:

  • Liability insurance in case you’re financially responsible for damages to another person, or their property.
  • Coverage if your RV is damaged or destroyed while you’re on vacation; our insurance may reimburse you for some of the added expenses, so you can continue your vacation.

Call 1-800-615-5897 for more information!

 

Plus RV Membership

We offer a special AMA membership for RV! The Plus RV Membership offers extra peace of mind with long distance coverage and towing for your RV. If you’re thinking about insuring your RV, make sure to think about roadside assistance too!

Motorhomes at campsite by the Geirangerfjord in Norway

Coverage Options:

We offer AMA members two RV property policy packages:

  • Comprehensive

  • Type of coverage: All Risk
  • Package Description: Our mid-level package. It protects against all risks except those listed as exclusions in your policy. This package is not available for RVs over 15 years old.
  • Standard

  • Type of Coverage: Named Perils
  • Package Description: Our basic package. It offers protection for those perils listed in your policy

Categories of Coverage

RV Unit

  • Unit coverage
  • Comprehensive

  • Unit coverage: Replacement cost up to $175,000 if replaced within 180 days of the date of loss
  • Standard

  • Unit coverage: Actual cash value up to $175,000

Personal Property in RV

  • Replacement cost for your RV contents
  • Tapes discs, records and other media in RV unit
  • Comprehensive

  • Replacement cost for your RV contents: Up to 15% of RV unit value
  • Tapes discs, records and other media in RV unit: Up to $200
  • Standard

  • Replacement cost for your RV contents: Up to 15% of RV unit value
  • Tapes discs, records and other media in RV unit: Up to $200

Emergency Vacation Expense

  • Coverage for expenses incurred if your RV is uninhabitable or destroyed while you are on vacation
  • Comprehensive

  • Coverage for expenses incurred if your RV is uninhabitable or destroyed while you are on vacation: Up to $200 a day (Maximum total of $2,000)
  • Standard

  • Coverage for expenses incurred if your RV is uninhabitable or destroyed while you are on vacation: Not available

Optional RV Coverage

  • Appliance Extended Warranty
  • Legal liability
  • Comprehensive

  • Appliance Extended Warranty: Included. Extends the manufacturer’s repair warranty for permanently attached appliances for one year.
  • Legal liability: Not included in package. If you require liability coverage, contact your insurance agent.
  • Standard

  • Appliance Extended Warranty: Not available
  • Legal liability: Not included in package. If you require liability coverage, contact your insurance agent.

AMA RV insurance is available exclusively to AMA members. Not a member yet? Join now.

This webpage contains information about coverages offered by AMA Insurance but is not intended to list all the conditions and exclusions that apply to described coverages. Complete provisions, exclusions and limitations are set out in policy wording booklets, declarations and other insurance documents.