Protect your investment with total loss insurance.

Seeing your prized RV sustain serious damage is heartbreaking. Paying to replace your vehicle makes matters even worse. 

While total loss replacement can’t bring your vehicle back, it can make the process easier to take – and save you thousands of dollars. Is this the right choice for you? Call 1-888-774-6778 to discover more and discuss your situation with a licensed agent.

Who is eligible for total loss insurance? 

Are you the original owner of a RV (not a bus conversion) featuring a model year that’s less than four years old (i.e., within four years of the current model year)? 

If so, you may be eligible for total loss replacement coverage. 

How does total loss insurance work? 

This optional coverage provides depreciation protection during the first 10 model years of your vehicle: 

    • Should you experience a complete loss during the initial five years, your carrier will either replace your vehicle with the newest model or a comparable model. 

    • If the total loss occurs after this point, your provider will pay your purchase price, which is to be used towards buying a replacement RV. 

So, for example, let’s say your RV is in its eighth model year. It’s declared a total loss by your insurer after being in an accident.

Normally, your carrier would only pay the current or 'blue book' value of your RV – which would be significantly less than what you paid for the vehicle. But, with total loss replacement coverage, you’d receive the full original purchase price.

That’s why this coverage is a favorite with many RVers.

Use total loss insurance with full time RV insurance for comprehensive protection.

Enjoy the financial security and peace of mind this combination of insurance brings.

With full time RV insurance, you can choose from a number of smart options to develop a complete policy that fits your needs, including:

  • Personal liability insurance (up to $1 million)
  • Medical payments coverage
  • Scheduled valuable personal property coverage
  • Secured storage personal effects coverage

Discover more about the protection offered by each of these coverages, and the benefits provided to you. Talk to a licensed agent at Explorer RV Insurance today at 1-888-774-6778 about full time RV insurance.