RV Insurance

If you're a proud owner of a recreational vehicle (RV), you may be wondering if you need to get insurance for it. After all, RVs can be expensive, and you want to make sure you're fully protected in case of an accident or other unforeseen event. The good news is that RV insurance does exist and it can provide you with valuable protection. But what exactly does RV insurance cover? Let's take a closer look.

What Does RV Insurance Cover?

RV insurance typically covers the same types of perils as a standard auto policy, such as collision, comprehensive, personal injury protection (PIP), and property damage liability (PDL). However, there are some additional coverages that are specific to RVs, such as vacation liability, full-timer coverage, and emergency expense allowance.

• Total loss replacement

• Replacement cost personal effects

• Vacation liability

• Emergency expense coverage

• Special windshield deductible

• Recreational vehicle medical payments coverage

• Medical payment coverage for a recreational vehicle

Types of RV Coverage

We provide insurance coverage for these types of recreational vehicles:

• Motorized RV's

• Towable RV's

• Conventional travel trailers

• Fifth-Wheel travel trailers

• Folding camper trailers

• Truck campers

• Travel Trailers

Is RV Insurance Worth It?

Now that we know what RV insurance covers, the next question is whether or not it's worth the cost. The answer to this question will vary depending on your circumstances. However, in general, we recommend getting RV insurance if your RV is financed or if you couldn't afford to replace it if it were totaled in an accident. 

There's no right or wrong answer when it comes to whether or not you should get RV insurance. Ultimately, the decision comes down to your circumstances and how much financial protection you feel you need. If you have any further questions about RV insurance or would like to get a quote, we encourage you to contact our office today.