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RV Customization Coverage

RV Customization Coverage

From installing solar panels on the roof to mounting uniquely-keyed storage bay locks and everything in between, you’ve worked hard to make your RV safe and distinctive. And your RV policy should reflect that individuality. That’s why American Family Insurance offers RV customization coverage built to cover your investments and upgrades exactly the way you need them to. Take a look at the benefits of picking up customization coverage for your RV.

What Is RV Customization Coverage?

The camper/motor home customization coverage provides coverage for camper/motor home equipment, devices, accessories and enhancements that:

  • Change the appearance or performance of the vehicle from what was offered by the original manufacturer specifically for the vehicle
  • Are permanently installed in or designed to become part of the vehicle

Basically, when you’ve outfitted your RV with enhancements that change the vehicle’s appearance or performance from its factory-shipped condition, we can help build you an additional policy to insure those adjustments. Note that these upgrades need to be permanently installed or are designed to become part of the vehicle in order to qualify.

For example, this coverage can help protect new/custom installations attached to your camper or motor home, like the addition of an appliance, like a dishwasher, paint detailing, or satellite antenna.

RV Customization Insurance Coverage Amounts

You have two options for the coverage limit for RV customization coverage:

Your base RV policy comes with customization coverage. When you purchase your RV policy, $1,000 in coverage is included to cover existing customizations.

Increase your coverage limit. When the changes you’ve made to your RV extend beyond your $1,000 base coverage limit, you can increase your limit to $50,000 by purchasing additional coverage.

If you’re making numerous additions to your camper or motor home, check in with your agent to learn more about increasing your coverage limit.

Wide Ranging Eligibility for Customization Coverage

We cover all kinds of tricked-out rigs. From small conversion vans to mighty 45-foot motor homes and all sizes in-between — our customization coverage can be fine-tuned to fit the shape of your RV. Here some types of RVs covered under our RV customization policy:

Motor homes. Motorized RVs with the living quarters built on a modified truck chassis are covered. This includes customized school buses that have converted the interior into living quarters.

Mini-motor homes. These RVs are similar to motor homes except they are usually built on a van chassis.

Van conversions. Former vans that have been converted to RVs fall into this category. The conversion must include living, cooking and sleeping quarters.

Folding camping trailers. These are units that fold down for travel and are towed behind a vehicle.

Conventional travel trailers. Units with rigid walls and towed behind a vehicle.

Fifth-wheel. Units with rigid walls and equipped with a hitch designed to mount in the bed over the rear axle of a pickup truck.

Mounted truck campers. Units that fit over the bed of a pickup truck and are equipped with temporary sleeping and/or eating facilities.

Why Customization Coverage for Your RV Is Important

Customizing your RV to make it uniquely yours is half the fun of owning one. But you’ll want to make sure those updates are covered by your policy. Customization insurance for these special investments is necessary to restore your RV if the unexpected happens and you need to rebuild.

For instance, if you’ve got an older RV, you may find some things start to wear out after a while. If you choose to invest in higher-quality products to replace something — instead of swapping it out with the same item that came with your RV — you’ll want to make sure that investment is protected. With the help of your agent, you’ll find coverage that fits the unique design of your RV with an RV customization policy that covers your specialty installations perfectly. 

RV Coverage Comes in Many Shapes and Sizes

With all the great ways you can improve and personalize your RV, customization coverage can help to protect your finances if the unexpected happens. Remember to contact your agent while you’re upgrading your rig and verify that you’ve got the coverage to match the details and enhancements you’ve made. You’ll be better protected when you’re out on the open road, and you’ll find real comfort knowing that everything you’ve worked so hard for is covered.