RV Insurance

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Recreational Vehicles (RVs) owners belong to a unique category of enthusiasts. They have a deep affection for the highway because they understand that travel entails more than moving from point "A" to point "B."

For RV owners, the journey holds equal significance to the destination.

However, some RV enthusiasts erroneously believe that RV insurance closely resembles car insurance.

Without appropriate insurance coverage for your RV, you may encounter financial difficulties in the event of an accident.

What makes RV insurance unique?

What makes RV insurance unique?

RV insurance combines two types of coverage into one policy: it protects your vehicle like car insurance while safeguarding your living space, much like home insurance.

While it's crucial to insure against collisions and road emergencies, it's equally important to recognize that your RV serves as your home when you're camping or parking. Therefore, it's essential to have coverage that shields you from potential risks such as theft, fire, liability, and other unforeseen disasters.

Motorhome insurance is purposefully crafted to cater to the needs of travelers. Given that RVs are typically larger than standard vehicles, it's advisable to have higher liability coverage than what is typically offered in standard auto insurance policies. This is just one of the necessary coverage options you should consider.

Who needs RV insurance?

Various classes of recreational vehicles require distinct types of insurance:

  • Class A includes RVs constructed like large commercial buses.
  • Class B vehicles resemble vans but feature taller ceilings, allowing occupants to stand inside.
  • Class C vehicles are substantial vehicles fashioned from trucks or vans.
Standard Motorhome Insurance

Standard Motorhome Insurance

The coverage provided by a standard insurance policy will vary depending on your type of RV. Motorized units require similar coverage to that of a regular car.

Seasonal coverage might suffice if you intend to vacation only once or twice a year. Trailer RVs, however, will require insurance coverage for both on- and off-road damage.

Options for Your RV Insurance Policy

When insuring your RV, it's advisable to consider these essential options:

  • Insurance tailored for full-time RVers.
  • Camper liability coverage, as you bear responsibility for events inside your mobile home and the lot or campsite it's parked on, much like your house.
  • Additional bodily and property damage liability coverage, particularly if you own a large and expensive RV.
  • 24-hour roadside assistance is a valuable feature that can save you time and money, even if you use it only once, offering peace of mind.
  • Emergency expense coverage.
  • Total loss coverage.
  • RV content coverage.

Insurance for any ATVs you may be towing covers potential damage during towing and when they're in use.

Why We're Different

While you might initially seek the cheapest insurance available, it's important to recognize that you may not be receiving the comprehensive coverage you expect.

Although most insurance products may seem similar in price and primary function, insurance providers differ significantly in their ability to create policies that truly protect you.

There's no such thing as a one-size-fits-all insurance policy for your RV.

We're your local neighbors. Our commitment is safeguarding the businesses and individuals we know and care about. This means that we consistently strive to find ways to offer you improved protection, which includes a careful selection of insurance companies that are both affordable and responsive.

Please reach out to us and allow the experts at our company to assist you in crafting the most robust defense possible to safeguard the things you've worked diligently to establish.

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