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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 guides 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 contacts you within 1 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 it to a shop and request an estimate so it is ready when your appraiser arrives.

• What are the limits of my coverage if my recreational vehicle was sitting on a storage lot and a damaged part allowed continual leakage of water?

  • Your policy covers 'sudden and accidental' damage. In addition, you have the responsibility to mitigate or prevent the damage from worsening. These are all things your appraiser considers.

• My Recreational Vehicle was manufactured in another state - will my policy pay to move my Recreational Vehicle 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 the Recreational Vehicle or camper becomes uninhabitable?

  • The policy does provide Vacation Expense of $20 per day up to a maximum of 14 days if your Recreational Vehicle is uninhabitable due to a peril covered by this policy and you remain on vacation.

Boats

• What is boating equipment and how much coverage do I have?

  • Boating equipment means accessories of the insured watercraft, other than manufacturers 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.

Return to Claims FAQ's.