At Jackie Wade Equine Insurance, I can get you the best possible coverage and shop for the best rates to cover your RV or Horse Trailer.  A Horse Trailer with a Living Quarter can be classified as an RV. Depending on how the Insurance Company classifies it will make a difference in the coverage you get. 

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Accessories Coverage

The policies from our top-rated companies automatically cover awnings, antennas, satellite dishes, or other attached accessories even if you add them after you purchase the RV. Unfortunately, these expensive items are commonly damaged, and many insurance policies will not cover them.

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Collision Coverage

Covers damage to your vehicle when you are involved in a collision with another vehicle. 

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Emergency Expenses

This unique coverage pays for temporary living expenses such hotel as stay and rental car if you are involved in an accident while more than 50 miles from home. 

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Fire, Flood and Theft

Fire

Every RV trip is a fun adventure. Everywhere your travels take you is like a new journey. But in the rare instance a fire interrupts your vacation, it’s good to know that your motor home fire damage is covered by your motorhome fire insurance policy. Your motorhome fire insurance policy covers your RV and contents that are damaged or destroyed by smoke or fire.

Flood

Your fun vacation in your motorhome may be interrupted by rain, hurricane and flood waters. In that unfortunate event, you can rest assured that your motorhome flood coverage will help you get through this rough time. RV flood insurance covers your RV and its contents from damage caused by high water.

Theft

There may be an unfortunate occasion when you find that your RV or travel trailer is stolen. That’s why a motor home replacement policy is highly important. If this ever happens to you, the saving grace is that you have RV or travel trailer theft replacement coverage.

Your RV or travel trailer theft replacement coverage covers theft of your RV or travel trailer.

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Full-Timer Coverage

Much like a homeowner’s policy, our policies provide motorhome comprehensive insurance that includes personal liability coverage that pays for bodily injury and property damage caused by an accident in which you are held liable. Auto policies don’t provide full-time coverage.

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Liability Coverage

Not only is this the law, but its the most commonly asked about insurance in the States. This coverage pays for bodily injury and property damage that you may cause to others in the event of an accident; you and your vehicle are not protected by liability coverage. Depending on the laws of the state you live in and the company you choose to insure with, guest passenger liability may be a viable option for you as well. This liability option protects your passenger in the event of an accident. 

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Low Branch Collision

Covers damage to your RV and attached items like awnings and A/C Units.

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Personal Items Replacement

Covers your personal items such as clothing, cameras, and tools inside or outside your rig. 

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Total Loss Replacement

If you have a NEW RV you may be eligible for Motorhome Total Loss Replacement Coverage, so choose your RV insurance total coverage carefully.

If your RV is destroyed within its first five model years, this coverage will ensure that you get up to 120% of the policy limits to replace the unit. This RV insurance total coverage is a great way to protect your investment from the effects of depreciation. During model years 6 through the life of your policy, our companies will pay the original purchase price toward the cost of a new RV. What’s more, our motorhome insurance and travel trailer insurance companies automatically cover attached accessories such as awnings, satellite dishes, and air conditioning units.