Personal Lines: A Tale Of Two RVers

Insurance Choices > Personal Lines > A Tale Of Two RVers


Jeff had a two-year-old RV originally purchased for $100,000.

Specialty RV coverage from National Interstate:

  • Specialty RV coverage from National Interstate
  • Total Loss Replacement Coverage
  • $750 in emergency vacation expense coverage
  • $1,000 comp and collision deductible on the RV with diminishing deductibles
  • A separate auto policy with $1,000 deductibles, diminishing deductibles, and GAP coverage

One day, while traveling in his motor home and towing his car, Jeff was involved in an accident. Both his RV and his car were destroyed. Here’s how National Interstate helped:

  • Jeff’s RV was worth only $60,000, but he received a replacement RV valued at $110,000 after inflation.
  • With two claims-free years, Jeff's deductible was reduced by 50%, each now costing just $500.
  • Because Jeff's RV and car were both insured by National Interstate, he only paid one $500 deductible.
  • Jeff owed $10,000 on his car loan, but the car was only worth $5,000. GAP coverage paid off the loan.
  • Jeff was reimbursed for his hotel and transportation home after the accident.

Total Cost of Jeff’s Accident:
$0 for replacement
$500 in deductibles
$0 to pay off the car loan
$0 for hotel and transportation

Total: $500


Matt had a two-year old RV originally purchased for $100,000.

Non-Specialty RV coverage:

  • Non-specialty RV coverage
  • $1,000 comp and collision deductibles on the RV
  • A separate regular auto policy with $1,000 deductibles and no GAP coverage

Matt was also in an accident in which his RV and car were destroyed. With his non-specialty insurance plan, his “total loss” added up to even more losses.

Total Cost of Matt’s Accident:
$50,000 for replacement
$2,000 in deductibles
$5,000 to pay off the car loan
$350 for hotel and transportation

Total: $57,350

*While fictional, the customer profiles above represent real-life situations.