Fifth Wheel Insurance Coverage Options

Our policies provide important standard and optional coverages not available in conventional auto policies, or in the stripped down RV policies offered by other companies. A Farmers^® fifth-wheel insurance policy, on the other hand, can give you more security and more value for your money.

Coverages Included With Your Policy
Here are some of the fifth-wheel coverages we offer that aren't included in a typical auto policy:

• Comprehensive Coverage for protection from just about any direct, sudden, and accidental loss, including: collision, fire, smoke, floods, landslides, hail, windstorms, animals, vandalism, low branches or overhangs, theft and lightning.
• Coverage for Attached Accessories, including awnings, satellite dishes and TV antennas.

Optional Coverages

Farmers offers important optional coverages that let you customize your policy. Some coverages may be subject to company approval or may not be available in all states. These are a few of the most popular coverage options:

• Total Loss Replacement Coverage that protects your fifth-wheel from the effects of depreciation. If your new-model fifth-wheel is destroyed within its first five model years, and you're the original owner, we'll pay to replace it with a brand new one of similar kind and quality - no matter what it costs as long as you replace the fifth-wheel. In years six through ten, we'll give you up to what you paid for it originally toward the purchase of another fifth-wheel.

This option can save you literally thousands of dollars when compared to typical auto policies, which pay only the Actual Cash Value (ACV) of your fifth-wheel at the time it's destroyed. That's the current value of your fifth-wheel.

• Emergency Expenses Coverage that pays for lodging or travel home if your rig is damaged or destroyed by a covered loss more than 50 miles from home.
• Campsite/Vacation Liability Coverage that provides liability coverage when you are parked and using your fifth-wheel as a residence.
• Replacement Cost Coverage on personal belongings that are destroyed or stolen.
• TraveLine® Towing and Roadside Assistance eliminates the hassle of buying a separate towing plan. Towing, jump starts, roadside service, flat tire changes, fuel delivery, and locksmith services are just a toll-free phone call away. There are no out-of-pocket payments required, either. Just sign and drive. What's more, your fifth-wheel - and your tow vehicle - are covered, regardless of who is driving!
• Full-Timer Coverage that provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are on the road, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.
• A special option for fifth wheelers is that we can insure your medium duty tow truck you use to tow your fifth wheel travel trailer, provided the medium duty tow truck's GVWR exceeds 10,000 pounds.
• Our Special Program for Stationary fifth-wheels gives you extensive comprehensive and contents coverage if you use your fifth-wheel as a seasonal or permanent residence. This includes liability coverage that covers liability, medical payments to others, and property damage claims caused by an accident for which you are held liable. This program provides you with additional protection since your auto or homeowners policies may not extend coverage to you.

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Features & Discounts

Policy discounts vary by state and chances are one or more will apply to your policy. Please contact a Farmers agent to see what specific discounts are available in your area.

Availability

Farmers offers policies in the United States, in all states except Hawaii. The program is not available in Washington, D.C. Please note that policies, coverages and coverage amounts vary by state. All coverages may not be available in all areas.

What to Look For in a Fifth Wheel Insurance Policy

The biggest mistake many fifth-wheel owners make is insuring their rig on an auto policy. At claim time, they may discover they don't have the specialized coverages they need. And that can be a very unpleasant surprise!

Here are some of the myths and realities that you may want to consider when looking for an insurance policy for your fifth-wheel:

Myth: "My homeowners policy will cover all my personal property on the road."
Reality: Most auto policies don't include comprehensive coverage for personal belongings, and homeowner policies typically place strict limits on off-premises coverage and require a sizable deductible to be paid first. Farmers policies provide optional comprehensive coverage for personal belongings, and in most cases don't require a deductible.

Myth: "An insurance policy won't help me if my fifth-wheel breaks down."
Reality: Farmers offers TraveLine^® towing and roadside assistance. If your fifth-wheel or tow vehicle is disabled anywhere in the US or Canada, you can call a toll-free TraveLine^® number for towing or roadside help. Farmers policies also include high limits to cover the towing or servicing of larger travel trailers, and a "sign and drive" privilege that covers towing or roadside assistance expenses on the spot.

Farmers also offers outstanding emergency expense coverage. Unlike typical auto policies, our fifth-wheel policy pays for temporary housing or travel expenses to get you home if your fifth-wheel is damaged while you're on the road. We'll even pay to transport your damaged fifth-wheel to your home, a repair center, or a storage facility.