Recreational Vehicle Insurance

Recreational vehicles do more than just carry you from one place to another... they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.

Liability Insurance for Recreational Vehicles

Just like your car, your RV is a moving vehicle that can cause bodily injury and property damage to others. To help pay for any damage you inadvertently inflict, you should have liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.

Liability coverage has limits that work on both a per-incident and per-policy basis. There may also be a deductible that requires an out-of-pocket contribution for each incident or year.

Property Coverage for Recreational Vehicles

After you've considered the potential liabilities you're exposed to while operating a RV, it's time to make sure you have coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft or collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.

In some cases, you might want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.

Why choose an independent agent?

Independent insurance agents offer more insurance options with more variety in pricing for customers. Since we work with many different companies, we can usually help you fill all your insurance needs without having to use different agents. We also take the time to figure out what you need and connect you with the best insurance policy. We don't believe in a one-size-fits-all approach with insurance.