GEICO RV insurance is designed to cover a range of recreational vehicles, encompassing motorhomes, travel trailers, campers, and toy haulers.
Catering to both motorized and towable RVs, GEICO offers diverse plans and options tailored to the specific type and value of your RV.
With GEICO RV insurance, you can navigate the open road with confidence, knowing your recreational vehicle is protected.
Losses covered by GEICO RV
Collision: This covers the damage to your RV caused by a collision with another vehicle or object, regardless of who is at fault.
Comprehensive: This covers the damage to your RV caused by something other than a collision, such as fire, theft, vandalism, hail, wind, flood, or animal impact.
Liability: This covers the bodily injury and property damage that you cause to others while driving or using your RV, up to the limits of your policy.
Uninsured/Underinsured Motorist: This covers the bodily injury and property damage that you suffer from a driver who has no insurance or not enough insurance to cover your losses.
Medical Payments: This covers the medical expenses for you and your passengers who are injured in an RV accident, regardless of who is at fault.
GEICO RV coverages
Total Loss Replacement: This provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years. When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price.
After the seventh model year, the settlement is on an actual cash value basis. (Coverage availability may vary by state and vehicle value.)
Replacement Cost Personal Effects:Covers replacing personal items in your RV due to a covered loss. Includes $1,000 or $5,000 Replacement Cost Personal Effects coverage.
Vacation Liability: This pays for the bodily injury and property damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
Emergency Expense Coverage: This pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
Special Windshield Deductible: This charges nothing for RV windshield repair, and $50 for RV windshield replacement.
Benefits of GEICO RV insurance
Affordable rates: GEICO RV insurance offers competitive rates that fit your budget. You can also save money by taking advantage of discounts, such as multi-policy, multi-vehicle, safe driver, and defensive driver discounts.
Convenient claims: GEICO RV insurance offers a fast and easy claims process that you can access 24/7 online, by phone, or by using the GEICO mobile app. You can also track your claim status, upload photos and documents, and contact your adjuster anytime.
Excellent customer service: GEICO RV insurance offers friendly and helpful customer service that you can reach by phone, email, mail, or online. You can also contact your local GEICO agent or use the GEICO mobile app for assistance.
Trusted reputation: GEICO RV insurance is backed by GEICO, one of the largest and most trusted insurance companies in the United States, with over 80 years of experience and more than 17 million policyholders.
How to choose a GEICO RV insurance plan
To choose a GEICO RV insurance plan that suits your needs, you should consider the following factors:
The type and value of your RV: The type and value of your RV will determine the coverage options and limits that you need. For example, if you have a motorized RV, you may need higher liability limits than if you have a towable RV.
If you have a new or expensive RV, you may want to opt for total loss replacement coverage to protect your investment.
The state and location of your RV: The state and location of your RV will affect the insurance requirements and costs that you have to meet. For example, some states may require RV drivers to carry minimum liability insurance, while others may not.
Some locations may have higher risks of theft, vandalism, or weather damage, while others may not.
The frequency and duration of your RV use: The frequency and duration of your RV use will influence the amount of coverage and protection that you need.
If you use your RV occasionally or for short trips, you may want to have less coverage and benefits, or you may want to suspend your coverage when your RV is not in use.
The budget and preferences of your RV: The budget and preferences of your RV will determine the amount of premium and deductible that you are willing and able to pay.
For example, if you have a tight budget, you may want to choose a higher deductible and lower premium, or you may want to look for discounts and savings.
If you have a flexible budget, you may want to choose a lower deductible and higher premium, or you may want to add more coverage and benefits.
GEICO RV insurance reviews
- “Over 20 years with GEICO, adding RV insurance was easy and affordable. Comprehensive coverage, helpful agent. Highly recommend!”
- “GEICO RV insurance is the best! Great coverage, low rates, efficient claim handling. They even provided a rental car and hotel.”
- “For peace of mind, choose GEICO RV insurance. Features like total loss replacement, personal effects coverage, and discounts make it a top choice.”
GEICO RV insurance cost
It depends on various factors, such as the type and value of your RV, the state and location of your RV, the frequency and duration of your RV use, and the coverage and deductible that you choose.
The cost also varies depending on the discounts and savings that you qualify for, such as multi-policy, multi-vehicle, safe driver, and defensive driver discounts.
To get an estimate of how much GEICO RV insurance costs, you can use the online quote tool on their website or call them at 1-877-GEICO-RV (1-877-434-2678).
You will also need to provide some information about yourself, such as your name, address, phone number, email, and driving history. You will then be able to see the coverage options and prices that are available for your RV.
GEICO RV coverages
Total loss replacement: This provides you with a new, comparably-equipped RV if your RV is totaled within its first four model years.
When the RV is in the fifth through seventh model years, the settlement is the higher of the actual cash value at the time of loss or the original documented purchase price.
Replacement cost personal effects:
Replace personal items in your RV due to a covered loss. $1,000 or $5,000 coverage is included with Comprehensive and Collision. Additional limits up to $100,000 available for an extra premium.
Vacation liability: This pays for the bodily injury and property damage losses that occur at your vacation site. $10,000 of Vacation Liability coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
Emergency expense coverage: This pays your expenses for hotels and transportation due to a covered loss. $1,000 of Emergency Expense coverage is automatically included at no additional cost with Comprehensive and Collision coverage.
Special windshield deductible: This charges nothing for RV windshield repair, and $50 for RV windshield replacement.
Contact information
| Contact Information | Details |
|---|---|
| Phone Number | Sales or Service: 1-877-GEICO-RV (1-877-434-2678) |
| Phone Line Open: Mon-Sun 8:00 AM – 11:00 PM (ET) | |
| Address | Corporate Headquarters: 5260 Western Avenue, Chevy Chase, MD 20815 |
| RV Insurance: Contact local GEICO agent or use online form | |
| Customer Service Contact | – Phone, Email, Mail, Online: Visit website for specific contact information4 |
| – Local GEICO Agent: Contact your agent or use GEICO mobile app for assistance | |
| Email Address | – General: Use online form |
| – Agent-Specific: Email your GEICO agent directly | |
| Fax Number | – Agent-Specific Faxing: Use your GEICO agent’s fax number |
| – General Faxing: Upload documents online or use GEICO mobile app | |
| Operating Hours | – 24/7 for Claims, Payments, and Emergency Road Service |
| – Varies for other products and services; check local GEICO agent’s website | |
| – Access account online or use GEICO mobile app anytime |
GEICO RV insurance claims handling
Claim process: You can file a claim with GEICO online or through the GEICO mobile app, which takes about five minutes. If you’d like to speak with a representative, call 800-841-3000.
Claims representatives are available by phone 24/7, so you can call anytime. When you file the claim, you will need to provide the information outlined in the checklist below.
Claim status: You can track your claim online or through the GEICO mobile app. You will need your claim number and your last name to access your claim.
You can also contact your adjuster by phone or email if you have any questions or concerns about your claim.
Required documents for claims: Depending on the type and extent of the damage, you may need to provide some documents for your claim, such as photos, police reports, receipts, or repair estimates.
You can upload these documents online or through the GEICO mobile app, or you can fax or mail them to your adjuster.
Average claim approval time: The average claim approval time depends on various factors, such as the severity of the damage, the availability of the adjuster, the cooperation of the parties involved, and the complexity of the investigation.
In general, GEICO aims to settle claims as quickly and fairly as possible. In fact, your claim may be settled in as little as 48 hours.