C. Don Filer Agency Blog

All You Ever Wanted to Know About Insurance

Hit the Road with the Right RV Coverage

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer. Here at Filer Insurance we can help you select the right coverage for your RV needs and get a great price at the same time. Call us today at 206-545-4800 to get your free insurance quote.

Washington State - Here are some things to consider when shopping for recreational vehicle insurance:

  • RVs that are for personal, recreational use can be insured for up to 250 days per year.  This gives you plenty of time to travel around the Pacific Northwest this summer and even south later in the year to enjoy some warmer winter weather.
  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
  • You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
    • Stated Value - market value/actual cash value of the RV
    • Agreed Value – the insured amount, regardless of the current market value
    • Replacement Cost – we will replace your insured RV with a new RV that is most like it
  • Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
  • Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected. 
  • Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.  
  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
  • Other additional coverage can include: Accident forgiveness, pet coverage, diminishing deductible, and more.
  • Discounts can lower your premium. Ask us whether you qualify for safe driver discounts, original owner discounts, package discounts and more. 
  • You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats.  It will also simplify your life.

Feel free to browse through our RV travel tips for more information and even fun places to stay this summer.

Filer Insurance is independently owned and locally operated to handle your insurance needs. We focus on Seattle, Monroe and Arlington and offer affordable and reliable insurance choices all across Washington.

Call for a quote today at 206-545-4800 or come in to 4201 Roosevelt Way NE, Seattle WA 98105 or visit any of our local offices.