Safeco RV Trailer And Motorhome Insurance Ratings
Safeco RV Trailer And Motorhome Insurance Reviews 2023 (Ratings, Cost & Coverage). You may not be a gypsy or a pastoralist from diverse corners of the earth, but you do appreciate the fact they get to see different places whenever they travel.
Your love of the outdoors could have been the motivation you needed to get a Recreational Vehicle or a motorhome. Let the adventures begin!
Not so fast though. Before you set out for the wide-open spaces, you know you have to get insurance that works for you.
Safeco, a member of the Liberty Mutual Group, has been providing insurance for close to a century. Is what they provide worth it for you? Read Safeco RV, trailer and motorhome insurance reviews to find out.
Check out Safeco RV, trailer and motorhome insurance reviews, ratings, cost & coverage for Safeco recreational vehicle insurance policies.
Following are some of the answers to commonly asked Safeco RV, trailer and motorhome insurance questions:
- How Do I Get A Safeco RV Trailer And Motorhome Insurance Quote?
- How Much Does Safeco RV Trailer And Motorhome Insurance Cost?
- What Does Safeco RV Trailer And Motorhome Insurance Cover?
- What Type Of Recreational Vehicles Does Safeco Insure?
- What Claim Settlement Options Does Safeco Offer?
- What Type Of RV Trailer And Motorhome Insurance Discounts Does Safeco Offer?
- Is Safeco A Reliable RV Trailer And Motorhome Insurance Company?
- Are Safeco's RV Trailer And Motorhome Insurance Reviews & Ratings Good?
How Do I Get A Safeco RV Trailer And Motorhome Insurance Quote?
Call the Safeco insurance phone number at (877) 857-9519 to start your recreational vehicle quote.
Licensed Safeco insurance agents are available 7 days a week during these hours (Eastern time):
| Times Available | Days |
|---|---|
| 7 a.m. to 10 p.m. | Monday through Friday |
| 7 a.m. to 8 p.m. | Saturday |
| 11 a.m. to 8 p.m. | Sunday |
Or you can start your Safeco recreational vehicle insurance quote online 24/7:
How Much Does Safeco RV Trailer And Motorhome Insurance Cost?
The average cost of Safeco's RV, trailer and motorhome insurance policies ranges from $12 to over $49 per month, and is mainly based on your zip code, drivers ages, type of motorhome or RV's driven, coverages chosen, Motor vehicle records and claims history.
What Does Safeco RV Trailer And Motorhome Insurance Cover?
Safeco recognizes that not all RV, trailer or motorhome owners want the same thing. In addition to liability protection, they also offer additional coverage options. Safeco offers the following RV, trailer and motorhome insurance coverage types:
| Safeco RV Trailer And Motorhome Insurance Coverages | Coverage Description |
|---|---|
| Bodily Injury Liability | Helps pay for bodily injury expenses, like hospital bills and medical care, that you may have to pay if you're held legally responsible for an accident that injures another driver or another car's passengers. |
| Property Damage Liability | Helps pay to fix someone else's vehicle if you're held responsible for damaging it in an accident. It also pays for damage to other people's property such as their lawn, light posts etc. |
| PIP & Med Pay | Helps pay for hospital bills and medical care expenses for you and your passengers if you're injured in an accident, no matter who was at fault. |
| Uninsured/Underinsured Motorist Coverage | Helps pay for vehicle repairs and medical bills you are legally entitled to recover from a driver without liability insurance, a hit-and-run driver, or for an amount that exceeds an at-fault driver's insurance limits. |
| Comprehensive | Helps pay for repairs or replacement of your RV, motorhome, or trailer if it is stolen, vandalized, or damaged in some way other than in a collision. This includes loss or damage from fire, flood, falling objects, wind, hail, and collision with an animal. |
| Collision | Helps pay to repair damage to your RV, motorhome or trailer caused by an accident. |
| Physical Damage | Helps pay for repairs or the replacement of your watercraft, its engine, your trailer, and any permanently attached equipment up to the agreed value of your watercraft if damaged or stolen. Physical damage offers you: |
The Safeco RV, trailer and motorhome insurance reviews are also good for their optional coverages which include:
| Safeco RV Trailer And Motorhome Optional Coverages | Coverage Description |
|---|---|
| Loss Of Use | In the event of a claim for a covered loss, you are reimbursed for expenses, minus your deductible, incurred to rent a comparable substitute for your disabled vehicle. |
| Personal Effects Replacement Cost Coverage | When you travel, you bring many items with you. This includes furniture for sitting outside your RV, kayaks and other recreational equipment, kitchen appliances, cameras, and even a drawer full of bathing suits. |
| Vacation Liability | Provides you with liability coverage for bodily injury and property damage when the covered vehicle is being used as a temporary residence. |
| Roadside Assistance | Covers such assistance as fixing a flat tire, the delivery of essential engine fluids, towing, and even help from a locksmith to get you back in your vehicle. |
| Emergency Assistance | Includes all the features available with roadside assistance plus additional coverage for personal property, temporary living expenses, and transportation costs if your RV becomes uninhabitable. |
| Audio-Video And Custom Equipment Protection | This option protects your audio, visual, and custom equipment not installed at the factory, but that is permanently attached to your RV suck as; such as an awning, a modified or custom engine, exterior tool boxes, special carpeting, custom wheels, and decorative decals. |
| Collision | Helps pay to repair damage to your RV, motorhome or trailer caused by an accident. |
What Type Of Recreational Vehicles Does Safeco Insure?
Safeco can insure almost any motorhome, trailers or RV:
- Class A, B, and C motorhomes with values up to $1 million.
- Fifth wheels and conventional camper trailers
- Pop-up campers
- Toy haulers
- Truck-mounted campers
- Utility and horse trailers valued at up to $300,000.
It's important to note that Safeco RV Insurance covers vehicles used for personal recreation only. This means they do not offer coverage for any RV driven or towed to and from work or a work location, including any RV used by touring entertainers, construction workers, and race car drivers.
What Claim Settlement Options Does Safeco Offer?
Safeco offers three settlement options for RVs:
Actual Cash Value: Safeco will find similar RVs to yours to determine the current fair market value, which includes depreciation factors such as condition, prior accidents, and mileage. Once we set fair market value, that's the amount you'll get in a claim, minus your deductible.
Replacement Cost: This settlement option is available for new motorhomes and travel trailers less than a year old. In the event of a total loss, we will replace the vehicle with a previously untitled RV that is, to the best extent possible, identical to the one lost.
Agreed Value: When you start your policy, we will mutually agree upon a value for your motorhome or travel trailer. Then, in the event of a total loss, we will pay that amount minus any deductible.
What Type Of RV Trailer And Motorhome Insurance Discounts Does Safeco Offer?
Safeco offers many ways to save your RV, trailer and motorhome insurance:
- Get A Quote Ahead Of Time - You'll receive a discount when you get a Safeco quote at least one full day before the start date of your policy. To get the biggest discount, get your quote eight or more days in advance.
- Take An Accident Prevention Course - If you're 55 years of age or older, we strongly suggest taking an accident prevention course. Not only will you learn valuable safety skills, you'll also earn a discount that lasts three years when you pass the class.
- Install An Anti-Theft Device - You qualify for a discount when your RV is equipped with an audible alarm or a disabling device that shuts down the fuel, ignition, or starting system in case of attempted theft.
- Store Your RV During The Winter - One easy way to save on premiums is to reduce your coverage to just keep comprehensive and remove collision when you store your RV for the winter.
Is Safeco A Reliable RV Trailer And Motorhome Insurance Company?
Yes. Safeco has the money and reserves to pay it's RV, trailer and motorhome claims. Safeco Insurance is owned by the Liberty Mutual Group, which is very financial stable.
Liberty Mutual Insurance has financial strength ratings of "A" or "Strong" from Standard & Poor's, an "A2" or "Good" from Moody's, and an "A" or "Excellent" rating with A.M. Best. Liberty Mutual is ranked in the top 100 largest U.S. Corporations according to Fortune.
Are Safeco's Insurance Reviews & Ratings Good?
Following are some Safeco RV, trailer and motorhome insurance reviews online:
Better Business Bureau
The Better Business Bureau says Safeco offers: Car Insurance, Motorcycle Insurance, Personal Liability Protection, Homeowners Insurance, Renters Insurance, Condominium Insurance, Flood Insurance, Identity Fraud Expense Coverage & Life Insurance.
Overall the BBB rates Safeco A+. It does reference that Liberty Mutual is the parent company.
Safeco's Contact Information
Address: 175 Berkeley Street, Boston, Massachusetts 02116
Website: https://www.safeco.com/
Sales Phone #: (877) 857-9519
Safeco RV Trailer And Motorhome Insurance Reviews - The Bottom Line
Safeco RV, trailer and motorhome insurance reviews are above average. Every insurance company evaluates premiums differently. Sometimes Safeco will offer the lowest rates, and sometimes they won't. Still, overall, Safeco's rates are lower than those offered by larger insurance companies.
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