90% of RVers are underinsured...Don’t be one of them.1

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Specialized RV Insurance vs. "Ordinary" Auto Insurance

If you cover your RV with ordinary auto insurance, you could be exposing yourself to serious financial risk or paying too much for coverage that doesn’t fit your needs.

Fortunately, GMAC Insurance makes it easy to get the specialized RV coverage you really need, at money-saving rates.

Benefits/Coverages	Specialized RV Coverage from GMAC Insurance	Ordinary Auto Insurance**
Optional Full Replacement Cost Coverage	Gives you a comparable new RV if yours is totaled or stolen during its first five model years.¹	Limited availability — usually restricted to one year of coverage.
Storage Option	Saves you money when you’re not using your RV.	Limited availability.
Personal Effects Coverage	Coverage for the personal belongings in your RV — up to $3,000 provided at no cost (additional coverage available).	Not available.
Permanent Attachments Coverage	Coverage for items like satellite dishes, awnings, antennas and more.	Not available.
Full-Timer Coverage	Provides the extra protection you need when your RV is your primary residence.	Not available.
RV Claims Specialists	Your claim will be handled by an RV expert.	Your claim may be handled by an auto adjuster who doesn’t understand RVs.
RVs and Autos on One Policy	Your RVs and autos appear on one convenient policy, so you can earn multi-vehicle discounts of up to 20%.	Not available.
Emergency Expense Allowance Included at No Extra Charge	Helps pay travel expenses if you have a covered claim while you’re on the road.	Lesser discount may apply

**State Farm, Allstate, Travelers, Safeco, Liberty Mutual and other companies not specializing in RV insurance

¹ If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you're not the original owner. After the first five model years, you will receive your full original purchase price - not a depreciated amount - toward the purchase of the replacement RV. Replacement Cost Coverage must be purchased during the RV's model year or within the following four years.

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.