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GARDEN
CITY INSURANCE
2910 S. Reserve St., #C
Missoula Montana 59801
Toll-Free: 1-866-444-1084
Local: 1-406-542-1084
Fax:
1-406-549-8527
E-mail Us At:
info@gardencityins.com
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 Can I remove liability and collision coverage
while my RV is in storage?
There are two kinds of RV insurance policies written;
Full-timer and Part-timer. Part-timer RV insurance policies are priced
lower with the understanding that the RV will be stored at least 6
months a year.
Can you insure our heavy-duty tow vehicle?
(i.e. Freightliner, Peterbuilt)
Yes, these trucks are written in the Motor home program and
offer the same coverages available to a motor home. It is required
that the 5th wheel or recreational travel trailer insurance policy be
written in conjunction with the heavy-duty tow vehicle.
How does Montana holding company (Montana LLC)
registration affect my RV insurance?
It is not Federal or State law that dictate the manner in
which the insurance is written for Montana LLC registration. It is
however, the policies of the particular insurance company we are
writing that dictates how the insurance is provided. We offer three
companies which differ in the manner they require the Montana
registered RV insurance to be issued. The common factor for all three
companies is that your policy needs to include the name of the holding
company to reference the same name that appears on your title and
registration documents.
You will find that many insurance companies will not provide insurance
for out of state registration under a holding company. It is very
important that you obtain insurance from a highly rated insurance
company that allows Montana holding companies.
Can I get a 6 month insurance policy?
The car insurance offers a 6 month policy but the RV
policies are all annual.
Will my RV insurance cover me in Canada or
Mexico?
Your RV insurance policy will cover accidents in Canada.
However, Mexico property coverage may be optional within your RV
insurance. Be sure to ask for this coverage to be included and also be
sure to obtain a separate Mexico liability policy.
How does Towing and Roadside coverage work?
Should your RV break down, run out of gas, get a flat tire
or lock your keys in the motor home just call a toll-free number and
help will be on the way. This is a sign and drive service so you don't
have to wait for reimbursement and it's also a 24 hour/ 7 day a week
service.
Are my personal belongings covered in the
Motor home / 5th wheel?
Yes, you may cover your personal effects up to any $1,000
incremental amount you choose.
Can the trailer I tow behind my RV be
covered?
Yes, you will receive $2,000 trailer coverage automatically
with your motor home policy. If your trailer is more valuable
additional coverage can be purchased.
Can I insure my motor home or 5th wheel
trailer under an auto policy?
Yes, however there most likely will be limits of coverage.
These auto policies will generally not cover attachments such as
awnings or air conditioners nor will they cover any losses to personal
belongings. And most importantly, auto policies will usually settle a
total-loss at actual cash value. With a specialty RV insurance policy
you are able to obtain Guaranteed
 Replacement
or Agreed Value coverage.
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