Question 1

What type of coverage do you offer?

Accepted Answer

Most RV insurance companies offer specific types of coverage for specific types of RVs — for specific types of RV owners. Yeesh. But Roamly’s different. We offer all types of RV insurance!  
 Check it out. RV insurance for the Weekend Warrior If you use your motorhome for special trips — as opposed to living in yours for more than 6 months of the year —  a standard personal RV policy is right up your alley. Here’s what they typically look like.  Liability protection There are 2 types of liability insurance.  
 1. Property damage liability covers the other person if you’re found at-fault for damaging their property (vehicle, fence, garage door, etc.).  
 2. Bodily injury liability covers the other person if you’re found at-fault for their injury — be it a driver or pedestrian.  
 Also note, liability protection is required in pretty much every state.  
 Comprehensive coverage Comprehensive covers damage to your RV that’s non-collision-related. Things like hail, theft, and vandalism.  Collision coverage This helps pay for repairs to your RV if it collides with another vehicle or object. And that’s regardless of fault.  
 Medical payments coverage If you’re in an accident, this one will foot your medical bills for you or passengers. 
 Uninsured/underinsured motorist coverage These step in if an at-fault driver doesn’t have enough insurance (or no insurance) to cover your repairs or medical bills. 
 Roadside assistance  If your RV’s kaput, roadside assistance is there with tows, fuel delivery, jumpstarts, and more.  
 Coverage for RV owners renting out their RV Many RV insurers drop your policy altogether if you rent out your motorhome or camper. Not Roamly. If you’re renting your RV on sites like Outdoorsy, you’ll still be covered by your Roamly policy.  
 Commercial RV insurance  If you rent out three or more RVs regularly, consider a commercial policy. It covers all the associated risks with running a business. Roamly lowers rates by only insuring the time between rentals, since your customers pay for insurance during the rental period.  Plus, Wheelbase Pro and Outdoorsy offer built-in insurance during the rental period — at no added cost. That way, you’re financially protected front to back.

Question 2

Does Roamly cover renters during the rental period?

Accepted Answer

At this time Roamly's personal RV policies do two amazing things: they offer excellent insurance for RV owners for your everyday use (not during the rental period), and they also allow you to rent out your RVs without the fear of having your coverage dropped for renting. Pretty good, right? 
 But what about insurance for renters during the rental period? 
 If you choose to rent out less than five RVs, the easiest way to offer RV insurance for your renters is through our friends at Outdoorsy. Through Outdoorsy, renters purchase one of the insurance protection packages that covers them during their rental. Outdoorsy make the process easy and convenient, including verifying the renters before you exchange keys so you get peace of mind. 
If you plan to rent out five or more RVs as more of a full-fledged rental business, then it may be easiest to sign up for Wheelbase Pro. It's a free online rental management tool through which you can offer insurance to your renters that they pay for. The insurance packages and convenient process are similar to Outdoorsy's. Another benefit of Wheelbase Pro is that it allows you to accept direct bookings from renters.

Question 3

How do I get RV insurance through Roamly?

Accepted Answer

It’s easy to get better RV insurance through Roamly. Start by answering a few simple questions online at Roamly.com, like how many vehicles you want to cover. There aren’t too many questions, we promise. After completing these questions you’ll see an initial online insurance quote. Then one of our friendly US-based agents will want to confirm details over the phone to ensure you get the best coverage and price for your needs. After receiving a final quote from your dedicated agent, they’ll help you quickly complete the purchase of your new policy (insurance people call it ‘binding’). Once finalized, you’ll conveniently receive your official policy documents via email so you can be off and running.

Question 4

Can I rent my RV on rental marketplaces like Outdoorsy?

Accepted Answer

Yes! With Roamly commercial and personal policies you can safely rent your RV on marketplaces like Outdoorsy without losing coverage or worrying about loopholes. And with Outdoorsy’s extra rental-period insurance, your RV stays covered from start to finish with no gaps or extra costs you don’t need. Welcome to a better world of RV insurance.

Question 5

Can I change insurance companies before my renewal date?

Accepted Answer

Absolutely. You can switch insurance companies at any time—even if you just renewed your policy with another insurance company. And when you cancel with an insurer, you get a refund for the money you paid in advance. And if you canceled to switch to Roamly, your life just got a lot easier.

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