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RV Insurance

RV insurance protects you from financial disaster in the event of an accident. Scroll down to find out more  about RV insurance and get a free no obligation quote. 

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How Much RV Insurance Do You Need?

Determining how much RV insurance you need to carry beyond state requirements is important. Assuming that you own your RV and are under no obligations with a lender to carry otherwise mandated coverage's, here are a few things to mull over that may help you determine how much coverage to buy.
  • Where do you keep your RV when it’s not in use? If you don’t store your RV in a secure location, you could be exposing it to the risk of theft. In this case, consider carrying enough insurance to cover your losses if your RV is stolen or broken into and your belongings are taken. Another thing to consider is your RV’s exposure to weather and natural disasters. Even if you keep your RV safely stored away from the elements, there’s always the possibility it could be damaged or destroyed by a fire, a storm or another covered peril.
  • How much is your RV worth? Unlike cars, which depreciate in value quickly, RVs can carry their value for much longer. If your RV was lost or seriously damaged, would you suffer a serious financial hit? Keep this in mind when deciding whether to get comprehensive or collision coverage.
  • What’s the value of the belongings you keep in your RV? If you’re a tech connoisseur, it’s likely you may have a premium sound and video system installed in your RV. Likewise, no RV would be complete without a mini-fridge, stove and microwave oven. Take note of the value of the belongings that are kept inside of your RV at all times and factor these into deciding whether to take out a comprehensive policy to protect you against a covered loss.

Your Options

Understanding your options, when buying RV insurance, you’ll find that a lot of the same coverage options from your auto policy are also available for your RV. But there are additional options which you may want to take advantage of.

The typical RV insurance policy may include the following coverage options:

  • Liability for bodily injury and property damage

  • Collision coverage for damage done to your RV

  • Comprehensive coverage, which includes insurance for nonaccident damages such as fire, theft and falling objects

  • Contents coverage for damage done to the personal belongings you carry in your RV

  • Medical payments coverage for injuries to you or your passengers in an accident

  • Personal Injury Protection – This comes into play regardless of who’s at fault. PIP may pay for a broad range of expenses including medical bills, lost wages and funeral expenses. Check with your local agent to determine whether you live in a no-fault state.

Owning an RV ensures that when you vacation, you never have to spend money on a hotel room and you never have to worry that all the rooms will be booked. Why not protect that investment by getting the right kind of RV coverage for your needs?
Questions to Ask Your Agent

Your independent agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

  • What is the insurance company’s level of service and ability to pay claims?

  • What discounts are available? (Ask about good driver, multiple policy and student discounts.)

  • What’s the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)


Please feel free to contact us for a free no obligation quote. Someone will get back to you within 24 hours.

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