Physical Damage Coverage

The chassis is only part of what a toter home is worth. The custom living-quarters build-out — the conversion, the finishes, the systems — is where most of the real value sits, and it's exactly what a standard commercial auto policy won't pay for.

Physical Damage Coverage includes:

• Agreed-value comprehensive and collision on the coach, not actual cash value
• Coverage for the living-quarters conversion and interior build-out, not just the truck chassis
• Fire, theft, vandalism, and weather damage while parked or in transit
• Coverage for permanently attached equipment — generators, satellite systems, awnings
• Diminished value and total-loss replacement options

Why Agreed Value Matters

A custom toter home conversion can run well into six figures on top of the base chassis. Actual-cash-value settlements on a standard policy routinely leave owners tens of thousands of dollars short after a total loss. Agreed value locks in a settlement figure both sides agree to up front, so a claim pays what the coach is actually worth.

On the Road and at the Track

We structure physical damage coverage around real toter home use — long highway hauls to the next event, parked for a race weekend, stored in the off-season — so a loss anywhere in that cycle is covered.

Summary

Physical damage is the single most important coverage on a toter home policy, because it's the one most standard carriers get wrong. If your current policy values the coach as a bare truck chassis, you're carrying a gap that only shows up after a total loss.