Claims FAQs: Recreational Vehicles
- I’ve never been in an accident before, what do I do?
- If you’re involved in an auto accident, please contact our claims office at 1-800-MYAMFAM (1-800-692-6326) and speak to one of our representatives, who will guide you through filing a claim. Please have all information available, such as other parties involved and their address/phone numbers. Once the claim is filed, an adjuster will contact you within one business day to go over your claim and discuss options that are available to you for repairs.
- Should I move my recreational vehicle to a shop?
- Yes, your appraiser needs to be at the repair shop in order to complete an estimate. It is most helpful to move the RV to a shop and request an estimate so it is ready when your appraiser arrives.
- My recreational vehicle was manufactured in another state. Will my policy pay to move it to the manufacturer for repairs if I have a covered loss?
- We pay for reasonable and necessary transport costs to the closest qualified repair facility.
- Is there any coverage if I am on vacation and my recreational vehicle or camper becomes uninhabitable?
- The policy provides vacation expenses of $20 per day for up to 14 days if your recreational vehicle is uninhabitable due to a peril covered by this policy and you remain on vacation.
- What is boating equipment and how much coverage do I have?
- Boating equipment means accessories of the insured watercraft, other than manufacturer-installed equipment, which is required and/or used for the operation or maintenance of the insured watercraft. Boating equipment includes a boat trailer, equipment used in connection with the outboard motor and any auxiliary outboard motors used with a sailboat. This does not include a sailboard and any attached sails. Boating equipment is limited to $1,000 per item and $3,000 in total. The policy does not cover: fishing and diving equipment; cameras and other photographic equipment; clothing and other personal articles; provisions; fuel; and any sailboard and its attachable sails. Additional limits for covered boating equipment can be purchased for an additional premium. The additional and total limit(s) are shown in your policy.
- Does my boat policy cover my hoist, since the dock policy does not?
- The hoist is covered under the equipment coverage of the boat up to the boating equipment limit unless higher coverage is purchased.
- My boat sank and I lost personal belongings as a result - are these items covered under my boat policy?
- Your boat policy does provide limited coverage for “boating equipment”, which includes the boat trailer, equipment used in connection with the outboard motor and any auxiliary outboard motors used with a sailboat. However, your boat policy does not cover fishing and diving equipment; cameras and other photographic equipment; clothing and other personal articles. These items may be covered by your homeowners policy. Discuss these coverage questions with your agent.
Have a question that you couldn't find here? Contact your American Family Insurance agent with your additional questions.
For claims related to storms, see Storm Info.
This website is for informational purposes only; it is not part of the insurance contract.