Learn more about California's new minimum auto insurance requirements.
A Fifth Wheel Is More Than An Afterthought
Your fifth wheel is more than a car so why would you try to protect it with standard Auto Insurance? Your RV deserves specialized Fifth Wheel Insurance, which protects your vehicle from risks specifically associated with it.
Basic Coverages
With Fifth Wheel Insurance, you are protected against collision, fire, smoke, flood, landslides, hail, windstorms, wildlife, vandalism, low branches, theft and lightning. Coverages may include Total Loss Replacement, Agreed Value, Emergency Expenses for Lodgings and Campsite/Vacation Liability.
Additional Coverages
Many RVers buy coverage for attachments such as awnings, steps, satellite dishes and television antennas. If you only need insurance a few months out of the year, speak with an AIS Insurance Specialist about Seasonal RV Insurance.
Understanding Fifth Wheel Insurance
Your fifth wheel is not exactly a car or a house, which is why it requires a separate policy. Unfortunately, many unpredictable accidents or mishaps can occur both while you’re parked or on the road. Your fifth wheel may face natural elements like windstorms, hail, floods, landslides and more. It may also run into low branches, wildlife and vandals.
Because there are so many factors out of your control, it’s smart to take advantage of the one you can control: Fifth Wheel Insurance. The right coverage will provide you with financial protection against the unknown.
What Are My Fifth Wheel Insurance Coverage Options?
This coverage pays for physical injury to the person of a Third Party. This includes sickness, disease, pain and suffering, emotional distress, loss of income and even death.
This coverage pays for damage or destruction including loss of use of a Third Party's property. Reduction in value is the measure of property damage.
Collision coverage pays for damages upon impact with another vehicle, object or person outside the vehicle, and the upset (overturning) of such vehicle. This coverage is often subject to a deductible.
Comprehensive coverage pays for direct and accidental damage to the insured's vehicle other than that caused by a collision. All losses not specifically excluded are covered and such coverage is usually subject to a deductible.
This coverage replaces total losses with the latest model (new-for-old) or, if not available, a comparable model.
In the event of a total loss, our expanded Agreed Value guarantee pays you the amount originally spent for the fifth wheel or the appraised value, with no deduction for depreciation and no deductible.
If your fifth wheel is damaged or destroyed by a covered loss and you are more than 50 miles from home, you will receive assistance for lodging.
This provides liability coverage when you're parked, and/or using your fifth wheel as a residence, while a standard Auto Insurance policy does not.
Let AIS Trailer Your Insurance Needs
AIS RV Specialists understand the special needs of your fifth wheel. We are here to match those needs with the right protection at the right price. All our insurance partners are reputable carriers, so you can always depend on the coverage you choose if your adventures ever take a wrong turn. You may qualify for a multi-policy discount if you have more than one insurance policy with AIS.
Call us today at (800) 449-8943 or provide some basic information online for free a quote.
Additional RV Insurance Coverages to Bundle
Wouldn’t it be great to save money insuring your motorhome, travel trailer, or other outdoor vehicle and all of its assets under one roof? AIS is the insurance house that finds affordable coverage for a wide variety of products. We compare the best rates from multiple trusted carrier partners, so you know you’re getting the best protection for the best price.
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