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Features Minimize
Quality Features with Real Benefits.
 
• Premium Discounts.
√ Membership in one of the Thousand Trails Systems
√ Anti-lock brakes or other safety options on your RV
√ Clean driving record
There are several other ways to save; ask our agent for details.

 
• Various Payment Options.
Pay in one lump sum, or in convenient installments. Or, use EZPayTM and have your payment automatically transferred from your bank account each month, on the day you select. We also take checks, money orders, debit cards, Discover®, MasterCard®, Visa® and American Express®!

 
• Fast and Reliable Claims Service.
Report your claim any time, day or night.
 
 

Insurance Coverage Minimize
Lots of Coverages to Protect You.
 

• Extensive Physical Damage Protection.
Coverage against sudden and accidental loss due to a collision, fire, windstorm, landslide, vandalism and other perils.

• Total Loss Coverage that Counts.
All policies offer at least one of the following options, all of which can come in handy in a total loss:
√ Total Loss Replacement Coverage.
This optional coverage replaces your RV if it is damaged beyond repair. It’s protection against depreciation.
√ Outstanding Loan Balance Coverage.
When a RV is protected for its actual cash value, a claim settlement for a total loss sometimes isn’t enough to pay off an outstanding loan. This optional coverage ensures you’re not left with a loan to pay and no RV to show for it.
√ Agreed Value.
We will work with you to determine how much your RV is worth, and insure it for that amount. If you suffer a total loss, you’ll be reimbursed for that agreed amount – no depreciation!

• Diminishing Deductible.
This elective coverage lowers your deductible each year you remain claim-free. Be a safe driver and within a few years you can have a zero deductible!

 
 
 
 
 
• Personal Effects Coverage.
Motor home owners can protect their personal belongings with either actual cash value or replacement cost coverage.

• Roadside Assistance.
You won’t need a separate service plan when you add this optional coverage to your policy. Whether your RV breaks down, you run out of gas, or you simply lock yourself out, call the toll-free number for assistance.

• Emergency Expense.
Optional protection that pays your temporary housing expenses, plus the cost to get you – and your RV – back home.

• Vacation Liability.
Provides premises liability coverage while parked at a campsite or RV park.

• Full-timers Coverage.
We can provide liability protection, similar to a homeowner’s policy.

• Tow Dolly Coverage.
Full coverage policies automatically receive up to $2,000 in coverage. You can also purchase additional protection if your trailer is valued over $2,000.
 
* All coverages may not be available in all states. Policy limits may also apply to coverage. Ask our Agent for details.
 

 
Read Your Policy Carefully. This brochure contains summaries of coverages that are available. For a complete description of coverages, exclusions, conditions and limitations, please refer to and read your policy carefully.  Coverages underwritten by one of the following: In CA: AFH Insurance Company and American Modern Insurance Company. Other States: American Modern Home Insurance Company, American Family Home Insurance Company, American Southern Home Insurance Company, and American Modern Select Insurance Company.
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