Coverage designed by people who know about riding the open road
Guardian Assurance knows RVers and we understand how important your home on wheels is to you. That’s why our coverages are designed by people who know about riding the open road and why our claims are handled by adjusters who deal specifically with recreational vehicles.
POLICY FEATURES
Standard coverages include:
Total Loss Replacement Coverage
Helps protect you from the effects of depreciation. In the event that a new-model motor home is damaged beyond repair within its first five model years, and it is still owned by the original owner, pay to replace it with a brand new one of similar kind and quality. This option could save you thousands of dollars!
Towing and Roadside Assistance
Eliminates the hassle of buying a separate towing plan. This valuable service is available 24 hours a day, 365 days a year throughout the United States and Canada.
Full-Timer coverage
Provides liability protection similar to a homeowners policy when the motor home is parked and being used as a residence.
Personal Property coverage
Applies to personal property loss that occurs either inside or outside the motor home. Both ACV and Replacement Cost are available. Pet coverage may be included.
Diminishing Deductible
Included without any premium charge. For each consecutive year the motor home is insured by insurance without a paid loss, we will reduce the deductible by 25%. Renewal customers may have consecutive loss free policy years, so deductibles might be diminished already.
Campsite/Vacation Liability coverage
Provides coverage when the motor home is parked and being used as a vacation site.
Emergency Expenses coverage
Pays for lodging or travel home if the motor home is damaged by a covered loss more than 50 miles from home.
OPTIONAL COVERAGES
We offer more coverage for those who want it, including:
Additional Optional Equipment (up to $15,000)
Transport Trailer
Medical Payments
Additional Limits of Liability
GUARDIAN ASSURANCE HAS ACCESS TO COMPANIES WHO INSURE A WIDE RANGE OF MOTOR HOMES INCLUDING CLASS A, B, AND C RIGS, LUXURY MOTOR COACHES AND MORE.
DISCOUNTS
There are several ways you can save money by choosing Guardian Assurance.
Multi-policy
Anti-lock Brakes
Defensive Driving
Safety Features