American National RV Insurance Review

American National RV Insurance Review

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

The Allstate website does not disclose how much their insurance rates start at, but Allstate’s premiums are higher than their top competitors’ rates. They do, however, offer a variety of discounts such as:

  • Multi-policy discount - If you have another policy with Allstate or are planning to sign up for one.

  • Transfer Discount - If you have a motorhome policy with another insurance company and switch to Allstate.

  • 55 and Retired Discounts - Allstate is the only insurance provider that offers a special discount for RV owners who are over 55 years old and not actively seeking employment.

Something else to keep in mind is that, as with most insurance carriers, Allstate’s pricing will also vary based on:

  • Your driving history

  • 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.

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.

What Roamly can offer RV owners

Did you know you could save an average of 25% 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.

Below are the many types of coverage that Roamly offers:

  • Bodily injury liability

  • Property damage liability

  • Collision coverage

  • Comprehensive coverage

  • Sound system

  • Contents coverage

  • Medical payments coverage

  • Personal injury protection coverage (PIP)

  • Uninsured & underinsured motorist coverage

  • Roadside assistance

  • Rental reimbursement coverage

  • No-deductible glass coverage

What Roamly can offer RV owners

Did you know you could save an average of 25% 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.

Below are the many types of coverage that Roamly offers:

  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Sound system
  • Contents coverage
  • Medical payments coverage
  • Personal injury protection coverage (PIP)
  • Uninsured & underinsured motorist coverage
  • Roadside assistance
  • Rental reimbursement coverage
  • No-deductible glass coverage

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 provides poor customer service. Roamly, on the other hand, is dedicated to providing the best coverage. As passionate RV owners themselves, Roamly wants to do everything they can to get you on the road and for less money.

So get a free quote from Roamly today! In less than 60 seconds you could be saving 25% and heading out on your next adventure.