Protecting RVers in ways that count.
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Get Safety, Security and Peace of Mind

Our SmartServices® are all about keeping you safe, secure and assured in the event of accident, breakdown, or other loss. You’ll enjoy:

  • Optional Full Replacement Cost Coverage – We give you a comparable new RV if yours is totaled or stolen.1 This protects you from depreciation — you could save thousands.

  • Personal belongings coverage for full replacement cost up to $3,000 – From laptops and linens to attachments and accessories, your belongings are automatically insured for what you paid — not a depreciated amount. You can add more coverage if you need it.

  • Permanent Attachments Coverage – We automatically insure permanent attachments for the full amount it would cost to replace them — not a depreciated amount.

  • An Emergency Expense Allowance – We cover up to $500 in food, lodging and travel expenses after a covered claim, so you’ll never get stranded.

  • SmartAssistSM – This optional Mechanical Breakdown Insurance provides coverage for up to one hour of labor at the site of the breakdown, towing to the nearest RV repair facility without dollar or mileage limits, and delivery of gas.2

  • Full-Timer Coverage – For RVers who live in their RV full-time, we offer specialty coverage with their specific needs in mind.

  • RV Claims Specialists – We have over 25 years of experience insuring RVs, and our claims department is staffed by knowledgeable RV claims representatives who understand the intricacies of your RV.

  • No charge for new parts used in collision repairs – In collision repairs, many other companies will pay only a depreciated value on parts that are subject to wear and tear, like tires, batteries and brakes. Not us. For collision repairs, you’ll only pay your deductible — even if we replace a depreciated part with a new one.

  • Theft Reward – We offer a theft reward of up to $500 for information leading to the conviction of those who stole your RV. We want to help put your RV back on the road, and put the criminals who took it behind bars.

  • 24-hour Claims Reporting – You can report a claim anytime, anywhere, with most minor claims paid within 48 hours, handled right over the phone.

Our SmartServices also give you the convenience, and extended protection and flexibility you deserve.

1 If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you’re not the original owner. After the first five model years, you will receive your full original purchase price — not a depreciated amount — toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years.

2 Does not pay cost of gas delivered.
RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with NGIC Ins. Underwriting approval required.

Did You Know?

Store your RV for extended periods and save.  Learn more.

If you're a full-time RVer and live in your recreational vehicle, you need coverages similar to Homeowners.  Learn more.

Turning on headlights during the day reduces the risk of an accident.  Learn more.


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