Specialized Motorhome Coverage vs. “Ordinary” Auto Coverage
While an ordinary auto insurer might treat your motorhome like a big car, the FMCA Motorhome and Auto Insurance Plan provides specialized motorhome insurance protection designed specifically for motorhome owners like you. It's coverage no motorhome owner should be without.
| Motorhome-Specific Features | The FMCA Motorhome & Auto Insurance Plan | “Ordinary” Car Insurers1 |
|---|---|---|
| Coverage for Personal Belongings | Gives you up to $3,000 of coverage for your motorhome's contents at no extra charge. | Not offered. |
| Coverage for Permanent Attachments | Automatically covers items like awnings and antennas for full replacement cost. | Not offered. |
| Full Replacement Cost Coverage Option | Provides a new motorhome if yours is totaled or stolen.2 | May not be available; usually limited to one year of coverage. |
| Storage Option | Save an average of 53% off your premium while you're not using your motorhome! | Not offered. |
| Allowance for Emergency Expenses | Helps cover food, travel and lodging if you have a covered claim away from home (provided at no added cost). | Not offered. |
| Coverage for Full-Timers | Provides coverage similar to homeowners if you live in your motorhome. | Not offered. |
| Service Call Allowance | Pays for an expert to come to you at the location of your choice.3 | Often make you pay extra. |
| Hitch Coverage | Your entire hitch assembly is covered at replacement cost, including the part that attaches to your tow vehicle.3 | Limited availability |
1 State Farm, Allstate, Travelers, Safeco, Liberty Mutual and other companies not specializing in RV insurance.
2 Must initially be purchased within five years of model year. Coverage limited to original purchase price after fifth model year.
RVs with an original cost new of $500,000 or more will be insured only if all autos in household are also insured with GMAC Ins. Underwriting approval required.
3 Applies in the event of a covered claim.
