Yes, we provide coverage for these vehicles under our umbrella policy. However, coverage classification depends on whether the unit is drivable or non-drivable.
Coverage Classification:
Drivable Vehicles Drivable campers & motorhomes are classified as "Autos" for umbrella purposes. This includes:
Motorhomes (Class A, B, and C RVs)
Any self-propelled motorized land vehicle that requires motor vehicle registration and/or operator licensing
These units should be included in the personal auto count when submitting for umbrella consideration.
Non-drivable campers are classified as below and do not typically need to be included in the auto count as they should extend from the underlying auto policy.
Pull-behind travel trailers
Fifth wheels
Other attached trailers
Underlying Insurance Requirements
To qualify for umbrella coverage, the primary insurer must meet the following requirements:
Minimum Liability Limits:
$300,000 Combined Single Limit (CSL), or
$250,000/$500,000/$100,000 split limits
Carrier Requirements:
Primary insurer must be an admitted carrier
A.M. Best Rating of B+ (VII) or higher
Please see our approved carrier list, if the carrier is not listed, you may select "other" for review.
Important Note
We are a follow-form policy, meaning our coverage follows the structure of your underlying policy. The specific classification and rating may vary depending on how your primary carrier has written the coverage, particularly if you are using carriers that distinguish between drivable and non-drivable units.