In this episode of the Girl Camper podcast, host Lesa McDermott interviews Melissa Geric from Progressive Insurance to discuss the importance of having special RV insurance coverage on campers. Melissa, an RV underwriter with over 27 years of experience, emphasizes the necessity for liability, comprehensive, and collision coverage specifically tailored for campers and motorhomes. Issues like Mr. Squirrel making a camper his home and how such situations can be covered under certain policies are covered

. The podcast highlights how insurance can provide peace of mind, especially for solo travelers and full-time RVers.

Melissa elaborates on niche coverages such as roof protection, which safeguards against elemental wear and tear, and pest protection, which covers damage caused by critters. Personal belongings coverage is another vital policy discussed, covering up to $99,000 for items inside the camper. They also touch on the importance of having adequate RV insurance for both travel trailers and tow vehicles, emphasizing roadside assistance in case of breakdowns.

For those with vintage trailers or DIY camper vans, Lesa and Melissa discuss Progressive’s specialized policies to meet these unique needs. For full-time RV living, they cover essential features like liability in camp areas and protection for storage sheds. The discussion on RV insurance continues with Melissa outlining the different types of coverage: Total Loss Replacement, Agreed Value, and Actual Cash Value, and how these apply based on the camper’s age and use.

Towards the end, Melissa shares some unusual claims she has encountered, such as a military tank submitted as an RV, showing the diverse range of insurance needs among RV owners. For more information, visit Progressive’s website or call their helpline. 1-800-Progressive or progressive.com

If you enjoyed this episode of the Girl Camper podcast, also check out this article by Girl Camper Guide Lisa Dempsey about 5 Safety Items For Your RV.