Specialized Motorhome Coverage vs. “Ordinary” Auto Coverage
While an ordinary auto insurer might treat your motorhome like a big car, the FMCA Motorhome and Auto Insurance Plan provides specialized motorhome insurance protection designed specifically for motorhome owners like you. It's coverage no motorhome owner should be without.
|Motorhome-Specific Features||The FMCA Motorhome & Auto Insurance Plan||“Ordinary” Car Insurers1|
|Coverage for Personal Belongings||Gives you up to $3,000 of coverage for your motorhome's contents at no extra charge.||Not offered.|
|Coverage for Permanent Attachments||Automatically covers items like awnings and antennas for full replacement cost.||Not offered.|
|Full Replacement Cost Coverage Option||Provides a new motorhome if yours is totaled or stolen.2||May not be available; usually limited to one year of coverage.|
|Storage Option||Save an average of 53% off your premium while you're not using your motorhome!||Not offered.|
|Allowance for Emergency Expenses||Helps cover food, travel and lodging if you have a covered claim away from home (provided at no added cost).||Not offered.|
|Coverage for Full-Timers||Provides coverage similar to homeowners if you live in your motorhome.||Not offered.|
|Service Call Allowance||Pays for an expert to come to you at the location of your choice.3||Often make you pay extra.|
|Hitch Coverage||Your entire hitch assembly is covered at replacement cost, including the part that attaches to your tow vehicle.3||Limited availability|
1 State Farm, Allstate, Travelers, Safeco, Liberty Mutual and other companies not specializing in RV insurance.
2 Must initially be purchased within five years of model year. Coverage limited to original purchase price after fifth model year.
RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with National General Ins. Underwriting approval required.
3 Applies in the event of a covered claim.