Everything You Need to Know About USAA RV Insurance

Traveling by RV is a popular way to explore the country and make memories with family and friends. However, it’s important to protect your investment with the right insurance. USAA is an insurance provider that specializes in offering insurance to members of the military and their families as well as veterans. This article will explore the details of USAA RV insurance, including coverage options, discounts, and frequently asked questions.

USAA RV Insurance Coverage Options

USAA RV insurance offers several different types of coverage options to meet the needs of RV owners. Here are the different coverage options available:

Coverage Type
Description
Liability Coverage
This coverage protects you if you are responsible for injuring someone or damaging their property while driving your RV.
Collision Coverage
This coverage protects your RV if it is damaged in a collision with another vehicle or object.
Comprehensive Coverage
This coverage protects your RV if it is damaged by something other than a collision, such as a hailstorm, fire, or theft.
Uninsured/Underinsured Motorist Coverage
This coverage protects you if you are in an accident caused by someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
Personal Injury Protection
This coverage provides medical coverage for you and your passengers in the event of an accident.

USAA also offers optional coverage options that you can add to your policy, such as roadside assistance and vacation liability coverage.

Discounts Available for USAA RV Insurance

USAA RV insurance offers several discounts that can help lower the cost of your premium. Here are the discounts that are available:

Discount
Description
Multi-vehicle Discount
You can save up to 10% on your premium if you insure more than one vehicle with USAA.
Safe Driver Discount
You can save up to 10% on your premium if you have a safe driving record with no accidents or violations.
Membership Discount
You can save up to 10% on your premium if you are a member of USAA.
Paid-in-Full Discount
You can save up to 10% on your premium if you pay your entire premium upfront.

FAQs About USAA RV Insurance

How much does USAA RV insurance cost?

The cost of USAA RV insurance depends on several factors, including the type of coverage you choose, the value of your RV, and your driving history. However, USAA offers competitive rates and discounts that can help lower the cost of your premium.

Does USAA RV insurance cover full-time RV living?

Yes, USAA offers coverage for full-time RV living. This coverage includes liability, collision, and comprehensive coverage as well as coverage for personal belongings and structures attached to the RV.

Can I add coverage for my RV’s contents?

Yes, you can add coverage for your RV’s contents to your USAA RV insurance policy. This coverage includes protection for your personal belongings, such as clothing, electronics, and other items.

What happens if I get in an accident while driving my RV?

If you get in an accident while driving your RV, you should immediately contact USAA to report the accident. USAA will then assign a claims adjuster to your case who will guide you through the claims process and help you get your RV repaired or replaced.

Does USAA offer roadside assistance for RVs?

Yes, USAA offers roadside assistance for RVs. This coverage includes services such as towing, tire changes, and jump-starts as well as assistance with lockouts and fuel delivery.

Conclusion

USAA RV insurance is a great option for military members, veterans, and their families who want to protect their RV investment. With a variety of coverage options and discounts available, USAA makes it easy to find an insurance policy that meets your needs and fits your budget.