Farmers RV Windshield Replacement Claims — Coverage, Deductible & Options
Farmers covers RV windshield replacement under comprehensive coverage on motorhome and travel-trailer policies, subject to your comprehensive deductible. Some Farmers policies offer a reduced glass deductible endorsement, which is worth adding on Class A coaches where a windshield set costs $1,800–$3,500. Repairable chips are generally covered without a deductible because repair is cheaper than replacement.
- Glass coverage
- Comprehensive; reduced glass deductible endorsement available in many states
- Typical deductible
- $500 – $1,000; lower with a glass endorsement
- OEM vs aftermarket
- Aftermarket default; OEM negotiable on newer or specialty coaches
- Mobile service
- Covered as part of the glass estimate
- RV specialty
- Agent-supported; ask the agent to add glass endorsements at renewal
How to file an RV glass claim with Farmers
- 1
Photograph the damage before you move the RV — a wide shot showing the whole windshield or window and a close-up with a coin for scale.
- 2
Open the claim with Farmers under comprehensive (not collision) and use the words "glass only" so it routes to the glass desk.
- 3
Ask for your right to choose the shop in writing — you are not obligated to use the carrier's default network vendor.
- 4
Give the shop the claim number and let them bill Farmers directly; you pay only the deductible, if any.
- 5
Confirm whether the quote includes moulding, seals, urethane, ADAS recalibration, and mobile travel before work starts.
Ask your agent about a reduced glass deductible
The endorsement that matters is a reduced or waived glass deductible. It costs little annually and changes a $1,000 out-of-pocket into $0–$100 on the one loss RV owners are most likely to have.
You cannot add it after the rock hits. Review it at renewal alongside your comprehensive deductible — many owners are better served by a higher comprehensive deductible plus a glass endorsement than a low deductible across the board.
Farmers RV Glass Claim FAQs
Does Farmers cover RV windshield replacement?
Yes, under comprehensive coverage on a Farmers RV policy, subject to your deductible or your glass endorsement if you carry one.
Does Farmers have a glass deductible endorsement for RVs?
In many states, yes. A reduced glass deductible endorsement lowers or removes your out-of-pocket cost on glass losses and must be added before damage occurs.
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