FAQs and Safety Tips
Frequently Asked Questions
What types of recreational vehicles do you insure?
We offer coverage through the five top providers for class A, B, and C motorhomes, luxury bus conversions, fifth-wheel campers, travel trailers, and horse and utility trailers with living quarters. Our carriers will insure the finest luxury motor coaches up to $2 million in value and up to $500,000 on towable campers and trailers.
Can I use my RV for work?
We do have markets that will insure limited business usage, but the “normal” recreational vehicle policy does not allow commuting to work or use on a job site. If you have special needs, just call us.
Am I covered if my RV is my home all or part of the year?
In general, there are three usage groups, and our carriers insure them all:
Recreational – The RV is occupied for less than five months throughout the year (150 days).
Seasonal Full-Timer – The RV has been occupied for more than five months, but still a homeowner.
Full-Timer – The RV is your home.
Is roadside assistance available for my RV?
Yes, it is. Each carrier offers some form of towing and roadside with their policy. Some have a fully dispatched service, and others will reimburse, with high limits. We also have SafeRide towing and roadside available, with discounted pricing.
Does Overland require me to insure my auto and home with them?
No, Overland is a specialty provider of RV insurance. In fact, it is usually advisable to have the RV separate from your regular auto insurance. Most RV accidents occur on private property, which is not revealed on a driving record and may protect your auto insurance rates.
Where can I drive (or pull) and camp with my RV?
All of our carriers provide coverage in the continental United States and Canada. A supplemental Mexico usage coverage is also available, with a few carriers at an additional premium.
What about claims?
All of our carriers maintain toll-free claims lines available 24 hours a day, 7 days a week.
Overland Safety Tips
There are certain precautions you should take to stay safe out there on the road. Take a minute to look over these important RV safety tips below. For additional RV safety tips and information, please visit the RV Safety & Education Foundation.
Know Your Vehicle Size
Most RV accidents happen because of their additional weight and size. For example, an RV operator sometimes drives under an overpass that’s too low, not realizing the additional height of their RV, causing an accident. Make a note of your RV’s height, and always keep a lookout for ride height whenever riding under overpasses. Also, it’s always wise to keep the same information in mind about tunnels and bridges along your route.
Quick Tip: There are road atlases specifically made for semi-drivers and RV drivers.
Develop an RV Maintenance Regimen
Having an RV maintenance regimen is one of the most important things you can do to ensure you and your recreational vehicle are safe. You don’t want your RV randomly breaking down on you while you’re on the road. Here’s a quick maintenance checklist that you can use to go over each time you get behind the wheel:
- Inspect all hoses and belts to make sure they are in good condition and not cracked or leaking.
- Check all your lights, including turn signals, headlights, and taillights.
- Check all tires to make sure they have sufficient tread depth and the correct air pressure.
- If needed, check all your towing or hitch equipment to make sure it’s properly connected and in good running shape.
- Check your smoke alarms and fire extinguishers.
- Make sure you clean your cooking vent to avoid potential grease fires.
- Make sure all food and other supplies are secured safely in your RV’s cabinets.
Before you release the brake
Take a quick walk around your coach to confirm; the awnings are rolled tight and secure, slides are in completely, levelers are up and locked, antennas are down, hook-ups have been removed and stowed and no personal property is left behind.