Motor Homes and Bus Conversions

National Interstate provides complete and innovative coverage for your motorized RV. We insure bus conversions, Class A, B, B+ & C motor homes, camper vans, motorhomes, and medium-duty trucks.

• Total Loss Replacement - If your RV is a total loss in the first five model years, we will replace it with a brand new comparable model.

  Let's assume that you purchase a motor home for $100,000 in 2009, and during the years 2009 through 2011 it depreciates 40%. In 2012, your motor home is destroyed, and the cost to replace it with a new model is $120,000. Without Total Loss Replacement Coverage your actual cash value payout would be $60,000. If you purchased Total Loss Replacement Coverage we would replace the unit, saving you $60,000!

• Purchase Price Guarantee - Provides protection against depreciation.

  Let's assume that you purchase a motor home in 2009 for $100,000, and during the years 2009 through 2011 it depreciates 40%. In 2012, your motor home is destroyed, and the cost to replace it with a new model is $120,000. Without Purchase Price Guarantee Coverage your actual cash value payout would be $60,000. However, if you elected Purchase Price Guarantee Coverage, you would receive your purchase price of $100,000 to replace your RV!

• Diminishing Deductible - Reduces your deductible by 25% for each consecutive claim-free year.

  Let’s say that your original deductible is $1,000. After three claim-free years, your deductible is reduced by 75% (25% per year), or $750. If you had a claim in your fourth year, you would pay only $250 and save $750.

• Personal Effects Coverage - Coverage to protect your personal property such as cameras, tools, clothing, bicycles, etc.

  This provides coverage for your personal possessions such as cookware, clothing, bikes — anything individually or as a set that is worth $1,000 or less. You can purchase Personal Effects Coverage in $1,000 increments.

• Vacation Liability - Protection for you and your family while parked at your campsite location.

  Vacation Liability provides additional protection on your RV and on the campsite. It covers situations such as someone falling when entering or exiting your RV, a campfire that rages out of control, or someone being injured while playing horseshoes.

• Emergency Vacation Expense - Protection if your trip is disrupted due to an insurable loss.

  If your trip is disrupted due to an insurable loss, Emergency Vacation Expense will pay for incidental costs, such as hotel stays, up to a limit.

• Awning Replacement - Additional coverage if your awning is damaged.

  Did you know that awning damage from wind is the second most common RV claim, and without this coverage your awning will depreciate 20% per year? We will replace your awning with like kind and quality.

• Full-Timer’s Coverage Options - A suite of coverages available exclusively for full-time RVers and those who use their RV more than five months out of the year.

  Do you use your RV five or more months out of the year? If so, you should explore Full-Timer’s Liability Coverage. This added benefit stays with you (not the RV) and is similar to personal liability on a homeowners’ policy.

• Agreed Value (available for bus conversions)

  We understand that Bus conversions are one-of-a-kind. That is why we have this benefit, available to bus conversion owners only, which allows for you to be paid an Agreed Value if your unit is a total loss. We also have a bus conversion specialist working in our claims department.

• Windshield Replacement Coverage

  Did you know that windshield damage is the most common RV claim? Windshield Replacement Coverage provides a $100 deductible for window replacements. For example, if your comprehensive deductible is $500 and your windshield is damaged by a large rock, you would save $400 with Windshield Replacement Coverage.

• Extended Utility Trailer Coverage
• Commercial Usage - Many people use their RV in conjunction with or as part of their business. We insure commercially-used RVs.

We can insure bus conversions up to $2 million in many states.
Liability limits up to $1 million are also available.