Start with these exposures
- Motorized and towable inventory
- Maximum unit and peak lot values
- Service, delivery, rentals and storage
Coverage considerations
Separate motorized RVs from towable units in your application. Include maximum values, attached equipment, delivery arrangements and any customer demonstrations. A policy designed around ordinary passenger cars may not fit the full operation.
Review inventory protection for the places units are stored and the causes of loss you want covered. Ask about weather deductibles, transportation, valuation and any limits on high-value units. Include off-site or seasonal storage.
Service work, customer storage and consignment create additional questions about vehicles you do not own. If you rent RVs, arrange rentals or provide loaners, disclose that activity before relying on a dealer policy.
Licensing can vary by the type of RV and whether it is motorized. Use the state’s applicable dealer category rather than assuming the used-car checklist covers everything. License and lender requirements can both affect the coverage terms.
Compare the coverage and cost
Compare quotes for the same operations and coverage. Confirm the total policy cost, deductibles, payment terms and any exclusions affecting the way you do business.