If you are an RV owner or enthusiast, you know how important it is to protect your home on wheels from the risks and uncertainties of the road.
However, finding the right insurance for your RV can be challenging, as not all insurance companies offer the same coverage, prices, and benefits.
That’s why you may want to consider Hartford RV Insurance, one of the oldest and most trusted insurance companies in the US, and a partner of AARP.
But is The Hartford RV Insurance legit? How does it compare to other RV insurance providers?
And what do customers say about their experience with The Hartford RV Insurance?
In this article, we will answer these questions and more, based on our research and analysis of Hartford RV Insurance and its competitors.
What is Hartford RV Insurance and how does it work?
The Hartford, a Fortune 500 company since 1810, hosts The Hartford RV Insurance division.
This division safeguards RVs, motorhomes, trailers, and belongings with diverse coverage options.
Collaborating with 21st Century Premier Insurance Company, Hartford RV Insurance provides liability, collision, and comprehensive coverage.
Optional coverages include total loss replacement, emergency expense, vacation liability, and disappearing deductibles.
Hartford RV Insurance reimburses eligible expenses after deductibles and co-insurance, processed within 15 days.
Submit claims online, by phone, or by mail for prompt payment.
Hartford RV Insurance ensures a lifetime repair guarantee for authorized repair shop work on your RV.
or lease your RV.
What are the coverage plans and options offered by Hartford RV Insurance?
The Hartford RV Insurance offers three main coverage plans for RVs, motorhomes, travel trailers, and fifth wheels. Here are the details of each plan:
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Standard Plan:
This is the basic and most affordable plan offered by Hartford RV Insurance.
It covers the state-required minimums for liability, as well as collision and comprehensive coverage for your RV.
It also includes roadside assistance and rental reimbursement. The deductible for this plan ranges from $500 to $1,000, and the co-insurance is 20%.
The average monthly premium for this plan is $25 for RVs and $15 for trailers
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Advantage Plan:
This is the most popular and recommended plan offered by Hartford RV Insurance.
It covers everything in the Standard Plan, plus additional coverages, such as total loss replacement, emergency expense, vacation liability, and disappearing deductibles.
The deductible for this plan ranges from $250 to $500, and the co-insurance is 10%.
The average monthly premium for this plan is $35 for RVs and $25 for trailers.
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Advantage Plus Plan:
This is the most comprehensive and expensive plan offered by Hartford RV Insurance.
It covers everything in the Advantage Plan, plus extra coverages, such as full-timer liability, personal effects, pet injury, and identity theft.
The deductible for this plan ranges from $100 to $250, and the co-insurance is 0%.
The average monthly premium for this plan is $45 for RVs and $35 for trailers.
Conclusion:
Based on our research and analysis, we conclude that Hartford RV Insurance is a legitimate insurance company that offers a wide range of coverage options and services for different types of RVs, motorhomes, travel trailers, and fifth wheels.
However, The Hartford RV Insurance also has some drawbacks and limitations, such as:
- Limited availability in 35 states
- High deductibles and co-insurance for some plans
- Few customer ratings and reviews
Therefore, we recommend that you do your own research and verify the quotes and details before signing up with Hartford RV Insurance.
You may also want to check out other RV insurance providers, such as Progressive, GEICO, and Good Sam, that offer similar or better services and deals.
Ultimately, the choice of RV insurance depends on your personal preferences, needs, and budget.
We hope that this article has helped you make an informed decision about Hartford RV Insurance and its legitimacy for different types of RV owners and enthusiasts.
I am Jeremiah Onywere, a dedicated insurance blogger deeply passionate about the realm of insurance.
My journey in the insurance industry has been both thrilling and purpose-driven, focused on unraveling the complexity of insurance concepts.
These encompass a broad spectrum, including comprehending policy types, adeptly comparing quotes, mastering the nuances of claim filing, staying current with regulatory updates, delving into emerging trends, and fostering professional growth.
Education:
I hold a Bachelor’s degree in Data Science and Analytics from the prestigious University of Harvard.
Eager to deepen my expertise in the field of insurance, I continued my academic journey at the University of Toronto, where I earned my Master’s degree in Actuarial Science.
This unique blend of data science and actuarial knowledge equips me with a comprehensive understanding of the intricacies of the insurance industry.
Skills:
My expertise spans various domains within the insurance landscape, making me a versatile professional. I am proficient in:
- Property and Casualty Insurance: Understanding the risks associated with property and casualty insurance and adept at crafting tailored solutions for clients.
- Life and Annuities: Knowledgeable in the complexities of life and annuity products, ensuring individuals are provided with optimal coverage for their unique circumstances.
- Commercial Liability Insurance: Skilled in assessing and mitigating commercial liabilities to safeguard businesses from potential risks.
- Specialty Lines (e.g., Cyber Insurance): Well-versed in emerging insurance areas such as cyber insurance, staying ahead of the curve to address evolving threats in the digital landscape.
- Employee Benefits and Group Coverage: Proficient in designing comprehensive employee benefit packages and group coverage solutions, prioritizing the well-being of both employers and employees.
Experience
With five years of hands-on experience in insurance analysis, I have honed my analytical skills to provide valuable insights to clients. My background allows me to navigate the complex world of insurance, offering practical solutions that align with the ever-changing needs of individuals and businesses.
Contact:
Connect with me on Medium and LinkedIn to stay updated on the latest trends in insurance, insightful analyses, and engaging discussions. I am always open to connecting with like-minded professionals, industry experts, and anyone interested in the dynamic world of insurance.
In summary, my journey from the halls of Harvard to the vibrant academic community of the University of Toronto has shaped me into a dedicated insurance blogger and analyst. My goal is to demystify the world of insurance and empower individuals to navigate the complexities with confidence. Join me on my journey through my Medium and LinkedIn accounts, where we can explore the fascinating intersection of data science, analytics, and the ever-evolving realm of insurance.
These insights represent just a glimpse of the knowledge I offer.
Join me on this enlightening expedition through the intricacies of insurance, where my goal is to simplify and render even the most intricate concepts accessible to everyone