Top Ten Questions about Insuring your RV at Lichtsinn RV

We know that a purchasing an RV is one of the biggest and important investments people make.   To keep that investment safe and secure we offer insurance for your RV right here at Lichtsinn RV.  Insuring your RV has never been easier!



Why should I get my insurance at Lichtsinn RV?

Our business managers are licensed personal lines agents for a variety of companies that specialize in RV insurance.  They work insuring people for RVs on a daily basis.  They can ensure you get the right coverages for your needs.

What is total loss replacement coverage?

In the unfortunate circumstance your RV becomes a total loss most auto insurance companies are going to only cover actual cash value.  We offer policies with Total Loss Replacement Coverage which will pay you what it costs to replace your RV with a new one.

Does my insurance cover international travel?

If you travel north to Canada you’ll be covered, but if you plan on traveling to Mexico you’ll need to purchase Mexican liability coverage before crossing the border.  Your comprehensive insurance will still be in place but you need that extra coverage when traveling to Mexico and other south-of-the-border destinations.

Does insurance cover rock chips on my windshield?

RV windshields can be expensive- especially on Class A motorcoaches.    Many of the policies we’re able to write offer a zero dollar windshield deductible that can save you the expense of replacing your windshield.

How much will insurance cost? 

The cost depends a great deal on what kind of RV you are insuring but most of the policies we write average $1200 a year.

Why is RV insurance so affordable?

One of the big things that insurance companies are going to ask you when you’re doing your quote is how many miles a year are you driving or how many days each year are you using it.  Generally, most of our guests are going to use their RV between 30 and 150 days a year.    This results in a lower rate than you might expect.

Which companies do you work with?

We work with a variety of companies including Progressive, Nationwide, National General and Safeco.

Can I turn off my coverage while my RV is in storage?

We work with carriers who will allow you to take off coverage while your RV is in storage however we also work with carriers who rate the policy based on the number of days your planning to use the RV which eliminates the need for you to take coverage off and you won’t have to remember to put coverage back on before using your RV!

Who do I contact with a claim? 

We will provide insurance identification cards when we finalize the insurance policy and the claims numbers are listed on the card.  You can also always call us here at the dealership and we would be happy to help file the claim with you directly with the carrier.

Is roadside assistance available through my policy? 

All of our carriers offer roadside assistance which can be an option added to your insurance policy.

If you have any questions call (641-585-3213) or email the Lichtsinn RV Business Office today to find out more about insuring your RV.

Experience the Best® at Lichtsinn RV, the #1 Winnebago Dealer in North America for the last six consecutive years. Lichtsinn RV is located 1 mile north of Winnebago Industries in Forest City, IA and we proudly sell new Winnebago motorhomes and pre-owned RVs from various manufacturers. While at Lichtsinn RV, you can expect no delivery miles on new RVs, a complimentary half-day educational orientation of your RVexcellent guest reviews, an assigned support team from sales, parts, service and the business officesuperior accommodationsno-hassle pricing and competitive financing. See our extensive new and used inventory here.

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