Enjoy the road trips in your recreational vehicle with RV insurance.
Protect your RV with insurance coverage.
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. RV insurance can help make owning a recreational vehicle a safe and rewarding experience.
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Liability Coverage
Risk Factor
Much like cars and trucks, RVs encounter many risks while out on the road. At-fault accidents can be particularly troublesome due to the large size of the vehicle.
Solution
Liability coverage can help cover costs from at-fault accidents, such as damage to other vehicles or medical bills resulting from the accident.
Collision Coverage
Risk Factor
Impacts such as accidents involving other vehicles, trees, parking structures, or more can cause major damage to the body of your RV.
Solution
Collision is a part of Physical Damage coverage that helps with costs from impacts or collisions with other vehicles or objects.
Comprehensive Coverage
Risk Factor
Driving on highways, country roads, and campsites all have their risks and hazards. Theft, fire, vandalism, and even damage from animals can cause major losses.
Solution
The Comprehensive part of Physical Damage coverage exists for just these reasons. It helps protect you from non-collision damages and losses when you’re out exploring the world.
Medical Payments
Risk Factor
Accidents can hurt more than your RV. Injuries to you or guests along for the ride can lead to serious medical expenses.
Solution
Medical payments coverage can help ease the burden of medical costs resulting from a covered claim.
Personal Property Coverage
Risk Factor
You take more than just the clothes on your back when you’re out in your RV. An accident can damage your belongings inside just as much as it can the outside.
Solution
Personal Property coverage makes sure you have protection for the items, gear, and belongings that are in the RV that may be damaged in a covered accident.
Uninsured & Underinsured Motorist Coverage
Risk Factor
Not everyone has enough insurance to cover the damage they may cause in an accident, especially to a high-value vehicle like an RV.
Solution
Uninsured & Underinsured Motorist coverage helps you cover the gap that may exist between how much coverage an at-fault driver may have and how much damage they caused to you and your RV.
Goes beyond what auto insurance can provide for your RV.
At first glance, you might think covering a recreational vehicle (or RV) is just like getting ordinary auto insurance, but the freedom of the RV and motorhome lifestyle brings a few extra potential headaches that make this specialized policy worthwhile. Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. RV insurance can help make owning a recreational vehicle a safe and rewarding experience.
What does RV insurance cover?
Coverage for your recreational vehicle or motorhome may vary depending on where you travel, what kind of RV you have, as well as your driving history. For example, windshield coverage is essential with a camper, given both the significant costs of fitting such a large sheet of glass and the fact that you’ll often need a replacement from a specialized supplier. Coverage may also include enhanced coverage for your personal possessions, meaning you can relax when taking those extra creature comforts and gadgets on a trip in your RV. Additionally, consider a policy that covers theft as well as damage in a collision or fire. Here are some other coverage options to consider:
- Attached Accessories
- Personal Belongings
- Replacement Cost
- Towing/Roadside Assistance
- Uninsured/Underinsured Motorists
- Vacation Liability
Policy options that help prepare you for unexpected situations.
While most insurance has limits on individual items, RV insurance policies often include a specific allowance for awnings and gas bottles, both of which can be particularly expensive to replace. When considering insurance, it’s worth looking for policies that offer rental cars and/or accommodation if your RV is put out of action during a trip, removing that extra worry.
Have questions about insuring your RV? Contact us, we’ll walk you through the coverage options for your recreational vehicle.
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