Guard Your Transportation to Fun
with a Recreational Vehicle Policy

We know you value your leisure time. We also know that you want worry-free decisions when it comes to buying insurance protection. A single policy from Grinnell Mutual can cover all your eligible recreational vehicles at very reasonable rates.

This flexible policy covers the following types of vehicles:

If you qualify for our Recreational Vehicle policy, we offer the following coverages to help you and your agent design a complete protection package that meets all your recreational needs.

Liability insurance is one of the few true bargains left. A few dollars provide substantial coverage against financial ruin.

Most states require insurance, but not everyone complies. Uninsured motorists coverage protects you and other people specified in your policy if injured by a driver without insurance or by a hit and run driver. This coverage also protects you and resident relatives as pedestrians from uninsured drivers.

This coverage pays you and other people specified in your policy for bodily injury caused by a driver with some liability insurance, but not enough insurance to pay for all the damages you are legally entitled to collect.

With the rising cost of hospital and medical care, this coverage can be very important. Coverage is provided for you and your passengers for injuries resulting from an accident. This coverage is different from bodily injury liability because it pays for injuries to you and your passengers.

This coverage provides extremely broad protection for damage to owned recreational vehicles and trailers described in the policy. Damage must be direct and accidental and not fall within a limited list of exclusions.

We provide the same protection to newly acquired recreational vehicles if you notify us within 30 days of that new vehicle’s acquisition.

These physical damage coverages are available subject to a deductible you select. We offer deductibles ranging from $50 to $1,000 per occurrence. No deductible applies to trailers or misc. equipment you schedule on the policy.

If you have an RV trailer or misc. equipment pertaining to your RV, you can add these items to the same policy. If the items are under $500, add them on a blanket basis. Items over that amount must be individually listed.

We also provide lower off season rates designed to fit the needs of the person who doesn’t use a recreational vehicle for part of the year. This can reduce your RV insurance cost automatically.

Grinnell Mutual offers very broad coverage against physical damage. However, if you choose to reduce the number of perils protecting your RV, we can reduce your rate even more with our Limited Coverage option.

We made certain all the popular deductible choices are available on our physical damage coverage. All this flexibility allows you to select the coverage, limits and deductibles that fit your needs.

We offer good driver rates. The amount of this discount is 25% if you haven’t had a loss in the last three years. This discount will apply to new and renewal policies.