Rv Rental Insurance: Aarp And The Hartford's Coverage Explained

The AARP Auto Insurance Program from The Hartford offers specialised protection for your RV, motorhome or trailer. This includes RV insurance, motorhome insurance and trailer insurance. The Hartford's Nutmeg Insurance Agency provides custom coverage for your RV, which is more than a car but not quite a house. This coverage includes medical payments, collision damage, bodily injury and property damage. You can also add personal liability coverage similar to a homeowners policy if you live in your RV full-time.

The AARP Auto Insurance Program from The Hartford also offers rental car reimbursement coverage, which can help pay for a rental car if your vehicle is damaged in an accident. However, it is unclear whether this coverage extends to RV rentals.

RV insurance vs car insurance

RV insurance and car insurance differ in several ways. While RV insurance offers you many of the same benefits as car insurance, it also includes additional protection based on the unique risks that RVs face. Here are some of the key differences between RV insurance and car insurance:

Coverage

RV insurance can be customized with different types of coverage, including medical payments, collision damage, bodily injury, and property damage. Medical payments coverage helps cover treatment or recovery costs if you or your passengers are injured in an accident. Collision damage coverage assists in paying for RV repair costs in the event of an accident. Bodily injury coverage helps pay for medical expenses if other people are injured in an accident involving your RV. Property damage coverage assists in paying for repairs if your RV or trailer damages another person's property, such as their car or home.

Benefits

RV insurance through providers like The Hartford's Nutmeg Insurance Agency offers benefits such as Total Loss Settlement, Emergency Expense Coverage, and Full Timer Liability Coverage. Total Loss Settlement covers the replacement cost for a similar RV from the same manufacturer during the first five model years if your RV is totaled. Emergency Expense Coverage provides temporary housing, travel expenses, and motorhome return costs if you experience a covered loss more than 50 miles from home. Full Timer Liability Coverage offers personal liability similar to a homeowners policy if you live in your RV full-time. You can also add medical benefits to cover accidental injuries while your motorhome is parked.

Cost

The cost of RV insurance can depend on various factors, including the value of your motorhome, your driving record and RV driving experience, and policy details such as coverage types, limits, and deductibles. It's worth noting that RV insurance discounts may be available if you bundle your home, auto, and RV policies or insure multiple recreational vehicles, take defensive driving courses, or are a member of an RV club.

Requirements

Most states require liability insurance for RVs driven on the road. The amount of liability coverage can vary by state, so it's essential to check the local laws to ensure you have adequate coverage. Additionally, if you use your motorhome as your primary residence, you can add personal liability coverage similar to a homeowners policy. You can also select coverage for your personal property and medical payments.

In summary, RV insurance provides specialized protection for recreational vehicles, addressing their unique characteristics and risks. It offers benefits similar to car insurance but includes additional coverages tailored to the needs of RV owners. The cost and specific requirements of RV insurance can vary depending on various factors and the chosen insurance provider.

Discounts for AARP members

AARP members can access a range of discounts and benefits.

Insurance

The AARP® Auto Insurance Program from The Hartford offers specialized protection for your RV, motorhome, or trailer. Members may be eligible for discounts if they bundle their home, auto, and RV policies, insure multiple recreational vehicles, take a defensive driving course, or are members of an RV club.

Eyewear, Vision Exams, and Hearing Care

Members can save on complete pairs of glasses (frames and lenses) at LensCrafters and Target Optical. They can also take advantage of a free hearing test by phone once a year through The National Hearing Test. The AARP Hearing Center offers advice and resources for recognizing and managing hearing loss.

Dining, Shopping, and Technology Discounts

AARP members can access discounts at various restaurants, including Outback Steakhouse, Bonefish Grill, Carrabba's Italian Grill, and Denny's. There are also discounts offered on qualified wireless plans from AT&T, food delivery services, and many more.

Free Online Movie Screenings

AARP offers free online movie screenings through the Movies for Grownups program.

Prescription Discounts

The AARP® Prescription Discounts provided by Optum Rx program offers a free prescription discount card that can be used by members and their families at over 66,000 participating retail pharmacies, including Walgreens, CVS, and Walmart Pharmacy.

Job Search Tools

The AARP Job Board is a job search tool that focuses on experienced workers, allowing members to scan job listings and apply for opportunities, with filters for part-time, full-time, and remote work.

Other Benefits

Other benefits of AARP membership include free tax preparation assistance, online games, and a subscription to AARP the Magazine.

Customising your RV insurance policy

Types of Coverage

• Medical payments: This helps cover treatment or recovery costs if you or your passengers are injured in an accident.
• Collision damage: This assists in paying for repairs if your RV is damaged in an accident.
• Bodily injury: This coverage helps pay for the medical expenses of other people injured in an accident with your RV.
• Property damage: This covers the cost of repairs if your RV or trailer damages another person's property, such as their car or home.

You can also add Full Timer Liability Coverage if you live in your RV full-time. This provides personal liability similar to a homeowners policy, giving you peace of mind when you park your motorhome. Additionally, you can select coverage for your personal property and medical payments.

Discounts and Savings

You may be eligible for discounts if you bundle your home, auto, and RV policies or insure multiple recreational vehicles. Taking a defensive driving course can also reduce your costs.

Custom RVs

If you have a custom RV, you can still get coverage. Custom RV insurance is a standard RV policy add-on that protects your aftermarket modifications and equipment. This type of insurance helps repair or replace your damaged customisations, giving you peace of mind.

Choosing the Right Coverage

When customising your RV insurance policy, it's important to consider your unique needs. For example, if you travel with expensive items like laptops or cameras, you may want to add personal effects coverage to protect against damage to your belongings.

Additionally, keeping a clean driving record can help lower your RV insurance costs. It's also a good idea to look up your RV's value to determine the appropriate level of coverage.

By customising your RV insurance policy, you can ensure that you have the right protection for your vehicle and your specific needs.

RV insurance quotes

RV insurance is a specialized insurance policy designed to protect owners of camper vans, trailers, and other recreational vehicles. It provides coverage for bodily injuries and damage to your vehicle or property. The cost of RV insurance depends on the value of your motorhome, your driving record and RV driving experience, and the policy details, such as types of coverage, limits, and deductibles.

There are several types of RV insurance coverages available:

• Medical payments: This helps cover treatment or recovery costs if you or your passengers get hurt in an accident.
• Collision damage: This helps pay for repair costs if your RV is damaged in an accident.
• Bodily injury: This helps pay for the medical expenses of other people if they get hurt in an accident with your RV.
• Property damage: This covers repairs to another person's property, such as their car or home, if your RV or trailer damages it.
• Total Loss Settlement: This covers the replacement cost for a new RV of the same kind and quality from the same manufacturer during the first five model years if your RV is totaled.
• Emergency Expense Coverage: This covers temporary housing, travel expenses, and costs to return your motorhome to your residence or storage space if you have a covered loss more than 50 miles from home.
• Full-Timer Liability Coverage: If you live in your RV full-time, this coverage provides personal liability similar to a homeowners policy. You can also add medical benefits to cover you against accidental injuries while your motorhome is parked.

You can get RV insurance quotes from several providers, including The Hartford's Nutmeg Insurance Agency, GEICO, and Nationwide. These companies offer customizable coverage options and discounts to help you save on your RV insurance policy. To get a quote, you will need to provide basic details about your RV, such as the series name (if applicable) and the number of days you use it per year. You may also need to provide information about your lienholder if you are financing your RV.

Customer reviews of AARP-Hartford

AARP Auto Insurance is provided by The Hartford Group, catering primarily to customers over 50.

Customer Reviews

AARP Auto Insurance has received mixed reviews. On the one hand, customers have praised the company for its competitive rates, easy application process, and professional handling of claims. One customer review on ConsumerAffairs states:

> "I have had renters and auto for over a year now. The rep that sold me my policies talked me into installing the True Lane App. One of the selling points to persuade me was the Rewards Program. I have enjoyed receiving gift cards during the portions of the months when I have nothing left to live on."

Another customer commends the company for its rates, saying:

> "I received a substantial discount by switching to the AARP Hartford auto insurance program. If you accept the use of a mobile phone app called True Lane it results in a 12% discount. I am definitely over 50."

However, other reviews highlight issues with the True Lane app, with one customer stating:

> "I discovered that this software is not accurate for a variety of reasons."

Other customers have also had issues with the app not recording trips and unprofessional customer service.

A review on The Hartford's website states:

> "After my parking lot accident … I was able to file my report through The Hartford website. … The Hartford made it so seamless including arranging for the car rental and all the other details. I am glad I switched to The Hartford several years ago due to my AARP membership. I heartily recommend this company."

A review on ValuePenguin highlights the company's excellent reputation for servicing the needs of older adults, stating:

> "AARP's excellent reputation for servicing the needs of older adults makes it a worthwhile option to consider for those over the age of 50."

The review also notes that AARP policies from The Hartford are cheaper than average compared to major competitors.

Frequently asked questions