American National RV Insurance Review
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With a network of 3,000 agents, American National has grown from its humble beginnings in Galveston, Texas into one of the largest insurance companies in the US. They offer a wide range of products and services including agribusiness insurance, health insurance, life insurance, and property insurance.
In addition, as a parent company, they have several companies in certain states where they are authorized to provide insurance products. This allows them to offer insurance in all 50 states and Puerto Rico.
Coverage Options
There is not a lot of information available on their website. Regardless of where your RV is registered, the basic RV policy from American National provides you with more coverage than what you would get by adding your RV as an endorsement to your auto policy.
In addition to basic RV insurance, you can also get:
Gap coverage between what your basic insurance pays and what you own on your RV
Access to emergency travel expenses if you are stranded
Cover personal items that are damaged or lost
Rental car coverage, towing, and roadside assistance
RV Coverage Options
Although the American National website does not state how much their insurance rates are, they offer a variety of discounts based on the insurance coverage. As with most insurance carriers, the costs will also vary based on:
Your usage (primary residence or vacation purposes)
Average number of annual driving days
Your age and driving record
The state your RV is registered in
The size, make, model, value and year of RV
Your deductible amount
Your credit history
Average Pricing
Although the American National website does not state how much their insurance rates are, they offer a variety of discounts based on the insurance coverage. As with most insurance carriers, the costs will also vary based on:
Your usage (primary residence or vacation purposes)
Average number of annual driving days
Your age and driving record
The state your RV is registered in
The size, make, model, value and year of RV
Your deductible amount
Your credit history
Will American National drop your coverage if you rent your RV on a rental marketplace?
It’s possible that American National will drop your coverage if you choose to rent out your RV. You will need to inform American National ahead of time to see if they will drop your coverage.
However, Roamly offers insurance that lets you rent your RV out without losing coverage. To learn more, or to get a free quote, visit Roamly.com.
Does American National offer RV insurance for full-time RVers?
Many insurance companies only offer RV insurance for recreational RV use. If you are a full-time RVer, make sure you make that clear to American National when getting a quote. They may provide you with a customized quote that includes personal liability, medical payments to others, emergency expenses, and personal effects coverage.
Not all full-timer insurance is the same, so be sure to shop around with other insurers who specialize in full-timer coverage, including Roamly.
What Roamly can offer RV owners
Did you know you could save an average of 35% compared to other insurance companies by getting a comprehensive plan with Roamly? This insurance company was created by passionate RV owners,so they know exactly the type of coverage you need for your RV. No more paying for expensive features you don’t need.
Additionally, Roamly doesn’t stop covering your RV if you decide you want to rent it out on peer-to-peer networks like Outdoorsy. That means you can make extra money when you’re not using your RV.
Final thoughts
While American National is one of the nation’s largest insurers, it appears American National only provides limited coverage for your RV and some customers mention issues with customer service. Roamly, on the other hand, is dedicated to providing the best coverage. As passionate RV owners and enthusiasts themselves, Roamly wants to do everything they can to get you on the road and for less money.
Get a free quote in less than 60 seconds and be on the road to save up to 25%.