Culver Insurance
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Total Loss Replacement

Also known as Replacement Cost Coverage, reimburses the entire replacement if your RV is totaled. This coverage can usually only be purchased in the first two to five model years of the RV.

Agreed Value Coverage

Covers classic and bus or van conversion vehicles that don’t have a standard market value. Documentation of vehicles value including, but not limited to bill of sale and/or appraisal is needed to insure such vehicles with this coverage.

Personal Items Replacement

Covers personal items inside the RV such as household items, sporting equipment, and personal effects like cameras.

Actual Cash Value Replacement

Covers RV’s that are totaled or stolen by paying the fair-market-value of your recreational vehicle.

Full Timer Coverage

Covers accidents, living expenses, and liability.

Fire Coverage

Covers fire and smoke damage to the RV and its contents.

Flood Coverage

Covers damage to your RV and contents due to flood water.

Theft Coverage

Covers the replacement or actual cash value of your RV in case of theft.

Emergency Vacation Expenses

Covers the cost of a rental car and/or hotel expenses while your RV is uninhabitable or inoperable due to a covered loss.

Accessories Coverage

Covers awnings, antennas, satellite dishes, or other attached accessories.

24/7 Towing and Roadside Assistance

Covers the cost of roadside assistance and/or towing to the nearest qualified repair facility.