Affordable Home Services, Inc. offers a specialized Recreational Vehicle Dealer Insurance Program tailored to meet the complex risk exposures of RV dealerships. With extensive experience in this niche and a strong network of producers across the continental U.S., we understand the specific coverage needs of businesses that sell, service, or store recreational vehicles. Our program is designed to provide comprehensive protection for RV dealerships of various sizes and operations.
Ideal Accounts and Appetite
This program is ideal for businesses engaged in the sale, repair, consignment, or storage of recreational vehicles, including motorhomes, travel trailers, campers, and similar units. Whether your client operates a full-service RV dealership with sales, service bays, and an open lot, or a smaller independent lot with limited inventory and staff, this program is designed to scale with their needs.
You might have a client who runs a dealership with a mix of new and used RVs, offers repair services, and allows overnight test stays — these are the types of risks we routinely underwrite.
Coverage Highlights and Advantages
Our Recreational Vehicle Dealer Program offers a broad package of coverages to help protect against the unique exposures that come with selling and servicing high-value mobile property:
- General Liability
- Garage Keepers Legal Liability
- Commercial Auto
- Inland Marine
- Crime
- Property (Buildings) and Business Personal Property
- Open Lot Coverage
Additional coverages can be added to further tailor the policy:
- Accounts Receivable
- Building Materials and Supplies
- Business Computer Coverage
- Small Tool Floater, Non-Owned Tools, and Employee Tools
- Valuable Papers and Records
- Employee Dishonesty
- Forgery and Alteration
- Money and Securities
Underwriting Notes and Minimum Premiums
Our underwriting team evaluates each risk based on operations, size, location, and loss history. While minimum premiums vary depending on account size and coverage selections, our markets are competitive across a range of dealership profiles. We work closely with agents to structure coverage that aligns with each client's real-world risks.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, TX, FL, NY, and IL. We are appointed with a wide range of carriers offering admitted products in most states, ensuring flexibility and compliance across diverse markets.
Why Work With Affordable Home Services, Inc.?
As a Managing General Agency with deep experience in recreational vehicle dealer risks, Affordable Home Services, Inc. offers agents access to specialized markets and streamlined service. Our relationships with multiple carriers allow us to match your clients with the right coverage solutions, while our knowledgeable team ensures smooth submissions and fast turnaround times. Whether you're placing a new account or need help with a renewal, we’re here to be your trusted partner in the RV dealer space.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We target businesses that sell, service, store, or consign recreational vehicles, including independent RV lots and full-service dealerships.
Is this program available on an admitted basis?
Yes, admitted options are available in most states through our carrier partners.
Can I submit accounts with open lot exposure?
Yes, the program includes Open Lot Coverage and is suitable for dealerships with inventory stored outdoors.
What types of additional coverages can be included?
Optional coverages include Business Computer, Employee Dishonesty, Valuable Papers, and more to tailor the policy to your client’s needs.
What is the minimum premium for this program?
Minimum premiums vary based on risk characteristics and coverage selections. Contact us with your account details for pricing guidance.
Need help placing an account? Connect with a market specialist.