Sometimes also called Replacement Cost Coverage, Total Loss Replacement, or TLR, is part of a specialized RV insurance package designed to protect your financial investment in your recreational vehicle. Insurance policies with TLR will replace your RV in the event of a total loss. Typically, the replacement will be the same make, model, class, body type, size and comparably equipped.

Total Loss Replacement motor home insurance usually covers models less than five years old. Once your motor home passes that age, the coverage will be for the initial purchase price of the unit.