Owning an RV is more than just owning a vehicle. It’s your home on wheels. It’s where you sleep, cook, and create memories. So, having the right RV insurance is important. You need protection for both the road and the lifestyle that comes with it. That’s where Allied RV Insurance comes in.
Allied is part of Nationwide Insurance. It offers a wide range of insurance products, including RV coverage. While many companies offer basic RV insurance, Allied takes it a step further by offering coverage options that focus on the needs of RV owners. Whether you use your RV for weekend trips or full-time travel, Allied offers policies to match.
Is Allied RV insurance the right choice for you? In this article, we’ll look at what Allied RV Insurance includes, how it works, what makes it different, and why you might want to consider it for your RV.
What Types of RVs Can Be Covered?
Allied RV Insurance is not just for one kind of RV. It can cover:
Class A, B, and C motorhomes
Fifth-wheel trailers
Travel trailers
Camper vans
Pop-up campers
Truck campers
No matter what kind of RV you have, Allied likely has a plan that fits. This is important because each RV type has different risks. A Class A motorhome is much larger than a small travel trailer, and it needs more coverage. Allied understands these differences and offers flexible options.
What Does Allied RV Insurance Include?
The basic coverage offered by Allied RV Insurance includes many of the things you’d expect from a standard auto policy—but with extras that are designed for RV living. Here’s what’s usually included:
Liability Coverage
This protects you if you cause an accident. It pays for damage to other people’s property or if someone gets hurt. It also covers legal fees if you’re sued.
Collision Coverage
This pays for damage to your RV if you hit something like another car or a fence. It applies even if the accident is your fault.
Comprehensive Coverage
This protects against things that aren’t crashes—like fire, theft, vandalism, or weather damage.
Uninsured/Underinsured Motorist
If another driver hits you and they don’t have enough insurance (or none at all), this helps pay for your RV repairs and medical bills.
Medical Payments
This helps cover medical costs for you or your passengers after an accident, no matter who was at fault.
Roadside Assistance
Getting stuck on the side of the road in an RV is no fun. Allied includes 24/7 roadside help with towing, tire changes, battery jump-starts, and lockout services.
Vacation Liability
When your RV is parked at a campsite and being used as a home, you may still be responsible for accidents. If someone gets hurt, this coverage can help.
Personal Belongings Coverage
Your RV isn’t just a vehicle—it’s full of your stuff. Allied can help replace items inside the RV if they’re stolen or damaged.
Full Replacement Cost
If your RV is totaled in an accident or stolen and not recovered, Allied may offer to replace it with a brand-new model rather than just giving you the current market value.
Emergency Expenses
If your RV breaks down far from home, this can pay for lodging, food, and transport while it’s being repaired.
Why Choose Allied Over Other Companies?
There are many insurance companies that offer RV insurance. So what makes Allied stand out? Here are some reasons people choose Allied:
Backed by Nationwide
Allied is a subsidiary of Nationwide, one of the largest and most trusted insurers in the U.S. This gives Allied the strength and resources of a big company with the feel of a local agent.
Customization
With Allied, you can adjust your coverage. You can choose how much protection you want, add extras, or raise or lower your deductibles to fit your budget.
Discounts
Allied offers discounts that can lower your price. These may include:
Safe driver discount
Multi-policy discount (bundle with home or auto)
Paid-in-full discount
Anti-theft device discount
These savings can make a big difference, especially for full-time RV users.
Experienced Agents
Allied has agents who understand RV life. They can help you choose the right plan and explain the details in simple terms.
Online Tools
With Allied, you can manage your policy online, make payments, and file claims easily. Their website is user-friendly and works well on mobile devices.
Who Should Get Allied RV Insurance?
Allied RV Insurance is a good fit for many types of RV owners. You might want to consider it if:
You own a newer or high-value RV and want full replacement coverage.
You travel often and want emergency help while on the road.
You live in your RV full-time and need protection for your lifestyle.
You camp often and want vacation liability coverage.
You carry a lot of personal items and need to protect them.
Whether you travel every weekend or a few times a year, having the right coverage matters. Allied offers enough flexibility to meet different needs.
Is Allied RV Insurance Available in Every State?
Allied RV Insurance is available in many states, but not all. The coverage options and availability can change depending on where you live. It’s a good idea to contact a local Allied agent or visit the website to see what’s offered in your area.
Some states may have specific rules or coverage limits, so always double-check. A licensed agent can walk you through your options and help you stay legal on the road.
How Much Does It Cost?
The cost of Allied RV Insurance depends on several things:
The type and value of your RV
Your driving history
Where you live
How often you use the RV
The coverage options you choose
Your deductibles
On average, basic RV insurance from Allied might cost around $500 to $1,000 per year. Full coverage with extras could cost more—sometimes up to $2,000 or higher for luxury motorhomes.
The good news is that Allied offers ways to bring down your cost through discounts and bundling. If you already have a policy with Nationwide (like for your car or home), you may save even more.
What Should You Look Out For?
Before buying any RV insurance, there are a few things to watch out for:
Read the Fine Print: Know what’s excluded. Some policies may not cover wear and tear or damage from mold.
Check the Deductibles: A low premium may come with a high deductible. Make sure you’re okay with the amount you’d have to pay if something goes wrong.
Ask About Coverage Limits: Some plans have limits on how much they’ll pay for personal items, emergency expenses, or liability claims.
Understand the Claims Process: Know how to file a claim and what steps to take if something happens.
Be Honest When Applying: If you live in your RV full-time, say so. Your policy needs to reflect your actual use. Lying or leaving out details can lead to denied claims.
How Do You Get Started?
Getting Allied RV Insurance is pretty simple. Here’s how to begin:
Visit Their Website or Call an Agent: You can get a quote online or talk to a representative.
Give Details About Your RV: You’ll need the make, model, year, and VIN number.
Explain How You Use the RV: Are you a full-time traveler or a weekend warrior?
Choose Your Coverage: Pick the protection levels and extras that matter to you.
Review the Quote: Look over the price and coverage before you buy.
Buy the Policy: Once you’re happy, you can start the coverage and hit the road.
It’s always smart to compare quotes from more than one company, just to be sure you’re getting the best deal.
Conclusion
Allied RV Insurance offers solid coverage, flexible options, and the backing of a major brand. Whether you have a small camper or a luxury motorhome, Allied has plans that can protect your vehicle, your belongings, and your peace of mind.
Related topic:
What Is American Family RV Insurance and How Does It Work?
What Do You Need to Know About American Adventure RV Insurance?
What Is American General RV Insurance and How Does It Protect You?
