Specialty Policies Protect You against Lots of Things That Can Happen. Sometimes you can cover your RV by adding an endorsement to a policy you already have. But, that coverage is usually pretty basic. To obtain increased coverage limits, as well as coverage types such as personal effects, vacation liability, and total loss replacement coverage, you need the protection of a specialty policy.




RV Coverages

At Atlas, we offer two policy types for recreational vehicles: comprehensive and liability only:

• Our comprehensive policies automatically provide protection against sudden and accidental loss due to a collision, fire, windstorm, landslide, vandalism and other perils.
• Liability only policies protect you against liability issues that may arise from using your RV.

We offer a variety of other coverages too, but, they're all optional. Why? Because that gives you maximum flexibility and ensures you don't pay for a coverage that you don't need or want.

Optional Coverages

• Total Loss Coverage. Both of the following coverages can come in handy in the event of a total loss:
  • Total Loss Replacement Coverage. This optional coverage, available on select units, pays to replace your RV if it is damaged beyond repair. You receive another unit of the same kind and quality. No depreciation!
  • Outstanding Loan Balance Coverage. When a RV is protected for its actual cash value, a claim settlement for a total loss sometimes isn't enough to pay off an outstanding loan. This optional coverage ensures you're not left with a loan to pay and no RV to show for it! If you want this coverage, let us know within the first 30 days of owning your unit.
  
  
• Diminishing Deductible. This elective coverage lowers your deductible each year you remain claim-free. Be a safe driver, and in four years you'll have a zero deductible!
  
  
• Personal Effects Coverage. We offer motor home owners two choices for protecting their personal belongings: actual cash value or replacement cost coverage.
  
  
• Roadside Assistance. You won't need a separate service plan when you add this optional coverage to your policy. Whether your RV breaks down, you run out of gas, or you simply lock yourself out, call the toll-free number for assistance.
  
  
• Emergency Expense. Optional protection to pay temporary housing expenses when a covered peril disables your RV. The coverage also pays the cost to get you - and your RV - back home.
  
  
• Vacation Liability. Premises liability coverage, which protects against accidents that may happen on site while your unit is parked at a campsite or RV park.
  
  
• Full-Timers Coverage. We can provide liability protection, similar to a homeowner's policy. It's a good thing to have if you live in your RV all the time.
  
  
• Mexico Coverage. Going across the border? Add this optional coverage to your policy for physical damage protection while in Mexico.
  
  
• Tow Dolly Coverage. Full coverage policies automatically receive $2,000 in coverage; purchase additional protection if you need it.
  
  All coverages may not be available in all states. Policy limits may also apply to coverage. Ask your agent for details.

Handy Options, Benefits and Extras

• Premium Discounts. We offer discounts for all of the following. Atlas can help you determine which discounts apply to you:
  • Memberships with approved RV associations
  • Anti-lock Brakes
  • Passive restraint (automatic seatbelt) systems
  • Anti-theft devices (alarms and other safety options)
  • Claims-free
  
  
• Multiple Deductible Options. $500 is our standard deductible, but we also offer deductibles of $100, $250 and $1,000. Your agent can help you decide the best deductible option for you.
  
  
• Convenient Payment Options. We offer our customers many flexible ways to pay the premium on their policies. They can pay it all at once, or in convenient installments. They can take advantage of EZPay™, a once-a-month electronic funds transfer that pays the premium due - and the customer even picks the day of the month the transfer occurs. We also take debit cards, Discover®, MasterCard®, Visa® and American Express®. For more information on any of our payment options, click here.
  
  
• Fast and Reliable Claims Service. Our customers can report a claim online or over the phone, any time day or night. Call during business hours, and a customer service representative can take your claim personally. We also have after-hours and weekend service for emergencies!
  
  The availability of and qualifications for deductible and payment options may vary from state to state. In addition, terms, conditions and exclusions not described above may apply. Please contact your agent for more information.

Read Your Policy Carefully

Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverage available, remember that this site does not describe all of the terms, conditions, limitations or exclusions in your policy, nor does it modify or change any definitions expressly stated in any contracts of insurance. Our policy and coverage offerings also vary from state to state. We encourage you to speak to your insurance agent and to read your policy contract to fully understand your coverage.


To Obtain A Quote

If you would like a quote via e-mail or would like one of our agents to call you at a specific time, click here and complete the requested information. If you would like to speak to an agent directly, call 1-800-643-7770 between the hours of 8 AM - 7PM EST and we will be happy to assist you.