Geico's Comprehensive Camper Insurance: What You Need To Know

GEICO offers insurance for RVs and travel trailers, including campers. Their RV insurance is tailored to the unique needs of RV owners, with coverages designed specifically for those who drive or tow their RVs. GEICO's RV insurance includes bodily injury liability, property damage liability, personal injury protection, medical payments coverage, uninsured motorist coverage, collision coverage, and comprehensive coverage. They also offer specialty coverage options such as total loss replacement, special windshield deductible, replacement cost personal effects, vacation liability, and emergency expense coverage. GEICO's RV insurance is available in most states, with enhanced coverage not offered in Hawaii, Massachusetts, Michigan, and North Carolina.

Geico's camper insurance coverage options

GEICO offers RV insurance with a range of coverage options for various types of RVs, including campers. The coverage options available depend on the type of RV, the state, and individual circumstances.

GEICO's RV insurance works similarly to auto insurance, allowing customers to build a policy that suits their needs and budget. The standard coverages offered are similar to those found in auto insurance policies, including bodily injury liability coverage, property damage liability coverage, personal injury protection, medical payments coverage, uninsured motorist coverage, collision coverage, and comprehensive coverage.

In addition to the standard coverages, GEICO offers several specialty policy add-ons to cover other aspects of using, moving, and storing an RV. These include:

• Total Loss Replacement: Offers the replacement cost of the RV instead of just its actual cash value in the event of a total loss.
• Special Windshield Deductible: Covers repairs to the RV windshield, with a small deductible for replacement.
• Replacement Cost Personal Effects: Covers the replacement of damaged or stolen personal property in the RV.
• Vacation Liability: Pays for damages and injuries caused by the RV when it is docked at a vacation site.
• Emergency Expense Coverage: Covers food, lodging, and travel costs if the RV breaks down and is unable to move for an extended period.

GEICO also offers enhanced RV coverage, which includes additional protections such as emergency expense coverage, special windshield deductible, and recreational vehicle medical payments coverage. However, this enhanced coverage is not available in all states.

The cost of RV insurance with GEICO depends on various factors, including the vehicle type, location, coverage amount, credit history, and age. Rates are typically lower for smaller RVs and those that are used part-time. GEICO also offers a range of discounts to help reduce the cost of RV insurance.

Camper insurance costs

Yes, GEICO offers camper insurance. The cost of camper insurance depends on several factors, including the type of camper, the extent of coverage, and individual circumstances.

Camper Type

The type and size of the camper will impact the insurance rate. Larger campers, such as Class A or Fifth-Wheel trailers, will have higher insurance rates compared to smaller options like pop-up trailers or Class B RVs. Additionally, travel trailer insurance is generally more affordable than motorhome insurance.

Coverage

The extent of coverage will also influence the cost. Opting for higher liability limits provides added protection but usually results in higher premiums. On the other hand, choosing a higher deductible can lower insurance costs but may lead to higher out-of-pocket expenses in the event of a claim.

Individual Circumstances

Individual circumstances, such as driving history, age, credit history, and location, can also impact insurance rates. A good driving record and a well-maintained, newer RV can help lower premiums. Additionally, full-time RVers typically pay more for coverage than part-timers who use their campers for leisure.

Discounts

It is worth noting that GEICO offers various discounts that can help reduce the cost of camper insurance. These include a defensive driver discount, military discount, good student discount, and more.

Camper insurance discounts

GEICO offers a range of discounts to help you save on your RV insurance policy. While the company doesn't list specific discounts on its website, GEICO encourages customers to ask their insurance agents about potential savings. Here are some of the discounts you may be eligible for:

• Commercial Driver's License Discount: If you have a commercial driver's license (CDL), be sure to mention this to your insurance agent.
• Defensive Driver Discount: Taking a defensive driving course can help you qualify for a discount on your RV insurance.
• Good Student Discount: Students with good academic standing can benefit from lower insurance rates.
• Multi-Vehicle Discount: Insuring multiple vehicles with GEICO can lead to reduced rates.
• Multi-Product Discount: Bundling your RV insurance with other policies, such as homeowners, renters, or car insurance, can result in additional savings.
• Anti-Lock Brake Discount: This discount is available for Class A, B, and C motorhomes equipped with anti-lock brakes.
• Paid-in-Full Discount: Paying your insurance premium in full upfront may qualify you for a discount.

Additionally, maintaining a safe driving record and choosing a higher deductible can also help lower your insurance premiums. It's important to note that the availability of these discounts may vary by state and eligibility requirements. Be sure to speak with a GEICO insurance agent to understand the specific discounts applicable to your situation.

Camper insurance customer reviews

GEICO offers camper insurance for a variety of recreational vehicles, including RVs, motorhomes, campers, conventional and fifth-wheel travel trailers, pop-up travel trailers, truck campers, and more. Their insurance packages can be broken down into coverages such as bodily injury liability, property damage liability, medical payments coverage, uninsured motorist coverage, and comprehensive coverage.

Positive Reviews

> GEICO, and its gecko mascot, are well-known throughout the country. They offer their customers low prices... Roamly was created specifically for RV owners, so you get great coverage tailored to your specific needs. Additionally, you won’t lose coverage if you decide to rent your RV during times that it’s not in use.

> GEICO RV Insurance Reviews... 4,501,717 reviews on ConsumerAffairs are verified. We require contact information to ensure our reviewers are real. We use intelligent software that helps us maintain the integrity of reviews. Our moderators read all reviews to verify quality and helpfulness.

> Called GEICO (my insurance and roadside assistance). Told the woman my situation. She found me an auto/RV repair shop that specializes in transmissions. She found a towing company that would be there in 2 hrs. I told her I would need a taxi. She got me a taxi. Went and rented a car, went back to RV, met tow truck driver. He dropped the RV at the auto repair shop. He said it was ok for us to sleep in the RV at night at the repair shop. They were closed. Spent two nights in RV, then got a motel for 4 days. The repair shop let us have a loaner car for our stay. Total costs to get transmission fix was $500. A very ethical repair place. And Kudos to GEICO.

> I called for a quote... In the conversation I mentioned that I was considering living in it full time at a nice RV park (I am retiring). At that point, the Customer Service representative told me he could not quote me... Called Good Sam and got a very reasonable quote in minutes, regardless of how I intend on using the RV.

Negative Reviews

> GEICO denied my claim for damage caused by an animal to my roof. Apparently, animal damage to your RV is not covered if the unit is stationary. I am now on the hook for $9,000 repair on a 6-month-old camper and looking for a better option for insurance. Make sure you fully read and understand the limitations of their policies.

> I was actually able to get a "more reasonable" [quote] from USAA... As a side note; it is very aggravating to wait so long to talk to a Geico agent. Whatever happened to their physical locations? I will never do business with Geico again!

> Bad experience with resolving my claim. Adjuster stopped responding to me, and I [have] been waiting more than [a] month for his manager to review documents that I sent. Right now Mr just started ignoring me.

> Geico is placing me at fault. My full coverage went from $58 a month to $713 a month. I have asked for a review, and they are going with her statement that she was already in the right lane. I can't even get them to send an agent out to physically inspect my RV... This is the third claim that I've had where Geico found me at fault without even doing an investigation they never inspected my vehicle and they acted as if I was lying when I gave them my statement. Don't buy Geico guys. They don't like to pay out.

Camper insurance claims process

GEICO offers camper insurance with a range of coverage options, including bodily injury liability, property damage liability, personal injury protection, medical payments coverage, uninsured motorist coverage, collision coverage, and comprehensive coverage. In the event of a claim, the process for filing a claim with GEICO is straightforward. Here is a step-by-step guide on how to file a camper insurance claim with GEICO:

Step 1: Gather Information and Evidence

In the event of an accident or incident involving your camper, it is important to gather as much information and evidence as possible. Take pictures of the camper, including any damage, and get the contact and insurance information of any other parties involved. If there are any witnesses, be sure to get their contact information as well. Additionally, make note of the date, time, and location of the incident, as well as any relevant details about the circumstances. Having this information readily available will streamline the claims process.

Step 2: Contact GEICO

Notify GEICO of the incident as soon as possible. You can report a claim by calling their toll-free number, using their mobile app, or by logging into your GEICO account online. Their customer service representatives are available 24/7 to assist you. Have your policy number and other relevant information ready when you contact them.

Step 3: Provide Details of the Incident

When you report the claim, you will need to provide GEICO with detailed information about the incident. This includes describing the circumstances of the incident, the extent of any damage, and any relevant information you have gathered, such as photos and witness statements. Be as thorough as possible when providing these details, as it will help GEICO process your claim more efficiently.

Step 4: Follow GEICO's Instructions

After you have reported the claim and provided all the necessary information, GEICO will provide you with further instructions on the next steps. This may include scheduling an inspection of your camper to assess the damage, providing additional documentation, or completing any necessary forms. Follow their instructions carefully to ensure a smooth claims process.

Step 5: Stay in Communication with GEICO

Throughout the claims process, maintain open communication with GEICO. Respond to any requests for additional information or documentation promptly, and keep them updated on any changes or developments related to the claim. Staying in regular contact will help expedite the resolution of your claim.

Step 6: Track the Progress of Your Claim

You can track the progress of your claim by logging into your GEICO account or by contacting their customer service representatives. This will allow you to monitor the status of your claim and ensure that it is being processed in a timely manner. If you have any questions or concerns along the way, don't hesitate to reach out to GEICO for clarification.

By following these steps, you can effectively navigate the camper insurance claims process with GEICO. Remember to stay organized, provide detailed information, and maintain open communication with GEICO to facilitate a smooth and efficient resolution to your claim.

Frequently asked questions