Take to the road in your Motor Home and choose your own adventure. Will you drive to camp in the mountains or to take in a sporting event? You know the great outdoors. And with the open-ended possibilities that lie ahead, the right insurance shouldn't be a question.

At Farmers, we offer a Motor Home insurance policy covers the things that are most important to you whether you’re just starting out with a brief trip, or a veteran full-timer taking all the amenities of home with you. Standard and optional coverages include damage by stray animals, emergency expenses, trailer coverage and more. Our specialized insurance program for Motor Homes provides the kind of coverage to give you real peace of mind so you can sit back and enjoy your trip.

Your RV is more than just an automobile and it needs more than standard car insurance. Farmers offers insurance coverage for almost every type of motor home available in America today. And we provide important standard and optional coverage not available in typical Auto policies or in the stripped down RV policies offered by other companies. Covered motor homes include:

• Class A, B and C Motor Homes
• Luxury Motor Homes
• Full-timers

So focus on your adventure. Leave the insurance to us.

Motor Home and RV Insurance Coverage

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. Farmers offers Motor Home insurance policies that can give you more security and more value for your money.

Coverage Included With Your Policy

Here are some of the Motor Home 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, flood, landslide, hail, windstorm, 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 coverage 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 motor home from the effects of depreciation. If your new-model motor home is destroyed within its first five years, we’ll pay to replace it with a brand new one of similar kind and quality – no matter what it costs. In years six through ten, we’ll give you up to what you paid for it originally toward the purchase of another motor home.
  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 motor home at the time it’s destroyed. ACV is the current value of your motor home.
• 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 motor home 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 motor home is covered regardless of who is driving!
• Full-Timer Coverage provides liability protection very similar to a homeowners policy. While an auto policy will only provide liability protection when you are using your motor home as a vehicle, a Farmers Full-Timer policy covers you when you are parked and using your rig as a residence, too.

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Features and Discounts

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

Availability

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

What to Look for in a Motor Home Insurance Policy

The biggest mistake many Motor Home owners make is insuring their RV on an Auto policy. At claim time, they may discover they don't have the specialized coverage they need. And that can be a very unpleasant surprise!

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

Myth: "An auto policy is good enough for my Motor Home."
Reality: Most Auto policies don't cover personal items carried in a Motor Home. Most don't include liability insurance when the Motor Home is parked and used as a residence. Most do not cover attached accessories like awnings, antennas, roof-top air conditioners and satellite dishes. And most don't cover expenses for lodging or traveling home if you can't stay in your Motor Home because of a covered loss. Farmers offers Motor Home policies that provide all of these benefits.

Myth: "A Motor Home is essentially the same thing as a private passenger auto."
Reality: Actually, there are enormous differences. How many cars carry 100 pounds of LP gas, 300 gallons of water and up to 200 gallons of wastewater while they're traveling down the road? How many cars have refrigerators, sleeping quarters and bathroom facilities? How many cars have built-in ovens or other facilities for open-flame cooking? If you insure you Motor Home with Farmers, you can be sure you're getting the specialized coverage you really need.

Myth: "My Homeowners policy will cover all my personal property on the road."
Reality: Most Auto policies don't include comprehensive coverage for personal belongs, and Homeowner policies typically place strict limits on off-premises coverage and require a sizable deductible to be paid first. A Motor Home insurance policy provides comprehensive coverage for personal belongs, and in most cases don't require a deductible

Myth: "An insurance policy won't help me if my motor homes breaks down."
Reality: Farmers offers TraveLine® towing and roadside assistance for today's RVers. If your Motor Home, Travel Trailer, or Tow Vehicle is disabled anywhere in the US or Canada, you can call the toll-free TraveLine® number for towing or roadside help. Motor Home insurance policies with Farmers also include high limits to cover the towing or servicing of larger RVs, 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 motor home policy pays for temporary housing or travel expenses to get you home if your Motor Home is damaged while you are on the road. We'll even pay to transport your damaged motor home to your home, a repair center, or a storage facility.

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