If you have a motorized RV, you’ll at least need to carry state minimum required auto coverage. Those with towable RVs aren’t usually required by law to have separate insurance from their personal vehicles, though coverage for your camper will be limited. In either case, you’ll likely want more than the minimum amount of insurance that’s legally mandated.
Like with auto policies, you can build a policy to suit your needs after you meet minimum coverage standards. Allstate offers policies that are nearly identical to car coverage as well as specialty coverage options meant just for RVs.
Standard RV Insurance Coverage Types
The standard RV coverage options you’ll find at Allstate are the same as those you’ll find from nearly any insurer. Here’s what RV insurance covers:
- Bodily injury liability: Medical expenses, lost wages and other injury-related costs for others in an accident that you’re found at fault for
- Property damage liability: Damage to other vehicles and property related to an accident for which you are found at fault
- Collision coverage: Issues with your RV and personal property regardless of who caused the accident
- Comprehensive insurance: Damages to your camper from causes other than accidents such as severe weather, vandalism and theft
- Uninsured motorist/underinsured motorist: Both damages to your RV and your medical expenses if an at-fault driver lacks adequate insurance coverage
- Personal injury protection (PIP): Medical costs and lost wages for your party, regardless of who caused an accident
- Medical payments coverage (MedPay): Medical costs but not lost wages for your part resulting from an accident, regardless of who is at fault
Allstate RV Coverage Add-Ons
When it comes to coverage add-ons, Allstate RV insurance has a healthy selection to choose from. These are the company’s additional coverage options, and what they cover:
- Towing and labor: The cost of on-site labor and towing needs if your camper breaks down
- Personal effects coverage: Personal belongings in your RV when it’s destroyed due to a collision or comprehensive loss
- Vacation liability: Most damages and injuries that are caused by your RV while you’re on vacation
- Emergency expenses: Food, accommodation and travel expenses if your RV breaks down more than 50 miles away from home
- Full-timer’s liability: Similar to a home insurance policy, this covers injuries and damages to others caused by your camper if you live in it for more than six months out of the year
- Total loss replacement: After a total loss, your old RV will be replaced with one of the same year and value as your original one
Allstate may offer more coverage options than these depending on your location and RV type. Check which exact add-ons are available to you by asking a local insurance agent. Finally, be aware that the towing and labor add-on isn’t full roadside assistance. So, it may not include lock-out services or spare tire installation.
Allstate RV Insurance Standard Benefits
While you can purchase some additional coverages, Allstate includes a few for free. Allstate RV insurance policies come standard with the perks below:
- Pet coverage: Takes care of your pet’s medical bills if it’s injured in an accident
- Tow bar coverage: Pays to replace your tow bar after a covered loss
RV Types Covered by Allstate
There aren’t any restrictions listed on the webpage for Allstate RV insurance. The provider instead mentions that its RV coverage types can take care of both towables and motorhomes.
What Is a Towable RV?
Towable RVs can’t move on their own and instead require a towing vehicle to move from one place to the next. Towable RV models include the following:
- Travel trailers
- Toy haulers
- Pop-up campers
- Fifth-wheel RVs
- Teardrop trailers
What Is an RV Motorhome?
RV motorhomes are sometimes referred to as “self-propelled RVs” and are typically built on top of a large vehicle chassis. This category of RVs includes:
- Class A RVs
- Class B RVs
- Class C RVs
It’s possible that Allstate RV insurance could have exclusions for different states or localities. Make sure to ask your local Allstate insurance agency about your camper’s specifics if you’re unsure about its eligibility for coverage.
