Travel trailers are an enormous investment and require comprehensive insurance protection. While some may treat their travel trailer like any other automobile, a more comprehensive RV policy must take into account its contents and features.
USAA, founded in 1922 by 25 Army officers who came together to insure one another, boasts excellent customer satisfaction ratings and offers an easy mobile app that helps manage banking and insurance needs.
Coverage Options
If you’re considering purchasing a travel trailer, it is crucial that you understand all of the coverage options available to you. RV insurance usually offers liability, personal property and physical damage coverage options as well as uninsured motorist coverage and medical payments that cover expenses if an accident with an uninsured or under-insured driver occurs.
Considered is also that RV policies often come equipped with additional coverages, including roadside assistance and rental car reimbursement. Furthermore, certain policies allow you to suspend certain coverages when your RV is stored, thereby saving on premium. Also worth keeping in mind is that purchasing both auto and RV policies from one provider often entitles them both to multi-policy discounts.
USAA travel trailer insurance covers an assortment of towable recreational vehicles, such as conventional and fifth-wheel travel trailers with expandable ends, folding camper trailers, popup campers and truck campers. You may even be eligible to add a “toy hauler endorsement,” enabling you to transport motorcycles and ATVs in your travel trailer.
This insurer provides discounts to active-duty military members and responsible drivers, in addition to offering a user-friendly mobile app and being one of the premier RV insurers nationwide.
USAA does not provide its own RV policy; however, its partnership with Progressive provides comprehensive RV coverage that may prove especially helpful if you’re an active-duty service member or veteran looking to insure their home on wheels.
Progressive provides competitive travel trailer premiums at an attractive rate. Their annual premiums start from $100 for small popup campers up to over $1,500 for luxury motorhomes.
Nationwide RV insurance offers comprehensive coverages and several discounts, such as those for good driving and responsible ownership, in addition to its storage discount that can save up to 53% off premium costs when an RV is stored away.
Claims Process
USAA provides coverage for recreational vehicles (RVs). Their policies offer comprehensive and collision coverage as well as vacation liability coverage for damage incurred while your trailer is parked. Furthermore, this company also provides total loss protection that replaces your vehicle should it be declared totaled; their total loss protection policy covers several RV types such as class A motorhomes and campers.
USAA policies are subject to regulation by the Texas Department of Insurance. After review by their Commissioner, USAA policy forms and endorsements meet Article 5.35 of Texas Insurance Code requirements and should be adopted. They will also send an explanatory letter outlining coverage changes between current Texas prescribed forms and USAA new policies, while providing details about where less coverage exists.
USAA provides insurance, investing, banking and banking services to active military members, veterans and their families. Their RV policy stands out as having consistently high customer satisfaction ratings and providing many discounts and convenience features for their clients.
Geico offers many insurance solutions tailored specifically to RV owners, such as policies that cover recreational vehicles, boats and personal watercrafts. Additionally, Geico also has specific motorcycle and ATV policies in addition to providing home and rental property coverages.
USAA was established in 1922 and quickly become the go-to financial services provider for military members and their families when it comes to insurance, investing, banking and retirement/investment solutions. JD Power consistently ranks them at the top for customer satisfaction ratings as an investment/retirement services provider.
This company is a member-owned mutual benefit society with more than 13 million members, offering insurance, banking and financial services as well as discounts for their members. They specialize in insurance, banking and other financial services with discounts up to 15% and an exclusive RV savings program that could save you up to $5,000 off your purchase – plus they provide excellent customer service teams that can help find you just the right RV!
Discounts
USAA provides several discounts to help RV owners save on their purchases and rentals, from travel trailer accessories discounts, rental fee discounts and purchase of an RV discounts to ensure you can find an RV that meets all of your needs at an affordable price. These offers are open to both new and current customers alike and include travel trailer accessory discounts, rental fees discounts and purchase of an RV discounts.
USAA provides comprehensive RV coverage with their RV insurance policy, which features an intuitive mobile app for use. They have high customer satisfaction ratings and coverage in most states – though only full-time RVers will be covered versus vacation users.
USAA RV insurance offers a variety of coverage options, from liability to collision damage coverage and emergency roadside assistance & trip interruption reimbursement reimbursement. Furthermore, this RV policy boasts unique features like its flexible payment schedule & savings program – these make USAA stand out amongst competitors on the market.
USAA and Thor Motor Coach have come together to bring USAA members an exclusive RV Savings Program that combines luxurious accommodations and savings on their RV purchase. Rollick, an INC magazine 5,000 fastest-growing private company, serves as the technology platform behind this initiative; connecting manufacturers, dealers, F&I companies, consumers in RV marine powersport industries to Rollick technology platform users for RV savings program offers that could yield savings up to $5,000 and help unleash USAA members’ adventurous side for memorable RV adventures!
Customer Service
USAA and Travelers are two top-rated insurers, both offering competitive rates on comprehensive policies at cost-effective rates. Both also boast strong customer service reputations while offering various discounts; each offers different eligibility requirements and coverage options than its rival.
USAA provides an expansive range of insurance policies, including travel trailer coverage. USAA defines travel trailer as any “non-collapsible trailer towed behind a vehicle for personal use.” This encompasses pull-behind trailers, folding trailers and popup trailers. USAA also offers RV savings programs through various partners that enable its customers to save on camping gear, accessories and essentials while their policy provides liability protection as well as roadside assistance and accidental death benefits.
USAA RV insurance is an excellent choice for individuals who qualify, consistently ranking high in The Zebra’s homeowner’s insurance customer satisfaction survey and boasting excellent financial strength ratings. Furthermore, its agents can assist in understanding your policy and making smart decisions.
Travelers Insurance Company of the US is one of the oldest and best-known insurers. This insurer boasts an illustrious past of providing affordable rates and comprehensive policies, as well as outstanding customer service from its claims department and competitive premiums with multiple bundling options available to policy holders.
Every insurer offers different advantages, which is why comparing quotes before selecting one is key to making an informed decision. The Zebra’s comparison tool lets you quickly see how each company compares on price, customer satisfaction and add-ons. Both offer home and auto policies; sometimes you may qualify for discounts by bundling them together.
Cost of RV insurance will depend on its size and coverage options that you choose, as well as your goals for it and use of your RV. Ask yourself whether you plan to keep it as part-time residence, use it only during vacations, or use both full-time and seasonal plans; this can help determine what amount of coverage is necessary and which plan works best.