
Homeowners Insurance 101
Before you get a homeowners insurance quote, understand the basics of home insurance. What is home insurance? Find out that information and more.
RV insurance is protection for vehicles like:
While this is not an all-inclusive list, it gives you an idea of what type of vehicles are considered “recreational.”
Protection for your RV can fall under your home or auto insurance, based on the type of vehicle you own and how you use it.
Generally, if the vehicle isn’t used on public roads, coverage may apply from your home insurance. Vehicles used on public roads can be covered on your auto or home policy.
Your cost will vary, based on whether you choose to insure your RV on your auto or home policy. Visit our car and home insurance basics pages to see what factors may affect your cost.
Your local rep can help you decide which option makes the most sense for you.
To qualify for coverage under your home policy, your RV can’t be licensed for use on public roads. Examples inlcude four wheelers and snowmobiles.
Your home policy provides coverage for qualifying recreational vehicles up to $500. If you have vehicles worth more, you can choose to increase your coverage amounts. Specific coverages will be included in your policy for damage to your vehicle from things like collision, theft and fire.
Your home insurance deductible (the portion you’re responsible for) will apply to any covered physical damage loss, like damage from a storm or fire.
Liability coverage is included if the vehicle is used at your home and may be purchased to extend to other locations.
It also helps protect you if someone is injured as a result of the operation of your recreational vehicle, you damage someone’s property while operating your vehicle, or you’re sued for those injuries or damages and have legal defense costs.
Medical payments coverage provides for others’ medical costs if they’re injured on your RV where your home is insured.
Your liability and medical limits will be the same limits you choose for your home insurance.
Save money with our multi-policy discount when you purchase one or more of our qualifying policies, products or accounts. The more policies you have, the more you can save!
(Availability and amount of discount vary by state.)
Your RV may be eligible for auto insurance coverage. If your RV qualifies for auto insurance coverage, you choose to add what you want.
Examples of vehicles that may qualify include motor homes and permanently mounted truck campers, snowmobiles, golf carts, all-terrain vehicles, travel trailers, camping trailers and truck campers.
If you insure your RV on your auto policy, it works like your car insurance. You’ll choose specific deductibles for the different types of protection, like collision and comprehensive, along with liability, medical, and uninsured or underinsured motorist coverage.
Physical Damage protects against damage to your RV if you have a covered loss. It has two parts, and you choose a deductible for each coverage.
This coverage pays the amount you’re legally entitled to recover for damages to your vehicle in a covered accident caused by someone who doesn't have insurance or by a hit-and-run motor vehicle. In some states, identification of the hit-and-run driver is required. Coverage, deductible and availability varies by state.
Liability insurance can protect you if you cause an accident and are responsible for injuries to others or damage to property. Medical costs and lawsuits can be expensive, so it’s important to carry coverage limits that are right for you. Coverage amounts vary by state and if you’re not sure what to choose, we can help you figure it out.
Liability coverage is divided into two parts:
Umbrella insurance can be purchased to give you extra coverage up to $1 million or more if you'd like liability insurance above what your auto policy provides.
Medical payments coverage provides protection for you and your passenger(s) if you're in a covered accident causing injuries, regardless of fault. It pays medical bills you or your passengers have within two years2 of a covered accident.
Personal Injury Protection2 provides coverage for certain expenses related to injuries from an accident such as lost wages and childcare expenses.
This coverage gives you protection for injuries you may experience if an uninsured or underinsured driver runs into your RV.
Uninsured Motorists pays if you or someone on your RV is injured or killed in a covered auto accident caused by another driver who doesn’t have insurance. This coverage is for injuries, not damage to your vehicle.
Underinsured Motorists pays if you or someone on your RV is injured or killed in a covered auto accident caused by another driver who doesn’t have enough insurance to pay for the damages for those injuries.
To start or check the status of a claim you can:
Learn more about auto insurance claims.
Find a local rep or call 866-COUNTRY (866-268-6879). We'll help you find RV insurance that works for you.
Before you get a homeowners insurance quote, understand the basics of home insurance. What is home insurance? Find out that information and more.
Save money on car insurance by following the speed limit, keeping your credit score up, choosing your car carefully and making sure you get all the auto insurance discounts you qualify for.
Get your car ready for a road trip with a car emergency kit and car maintenance checklist. Make sure you have right coverage for car insurance before traveling.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
1Not available in all states or on all policies.
2In GA and ID, three years.
Auto and home insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.
Umbrella insurance policies issued by COUNTRY Mutual Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.
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