Recreational Vehicle Insurance

Recreational vehicles (RVs) have multiple purposes. Not only do RVs transport you wherever you want to go—they’re your living quarters and storage for your belongings. RV insurance provides the essential protection for the driving and property risks you may encounter on your journey.  

What Type of Insurance Do I Need for My RV? 

Recreational vehicles (RVs) have multiple purposes. Not only do RVs transport you wherever you want to go—they’re your living quarters and storage for your belongings. When you buy RV insurance, you can choose from numerous coverages, including liability, collision, comprehensive, uninsured/underinsured motorist and even RV towing insurance.  

Your particular needs determine the type of RV insurance you should have. Some of the coverages you may want to consider include:  

• Collision insurance—This may cover damage to your RV after an accident.
• Comprehensive insurance—This may pay for vehicle damage from non-accident mishaps, such as weather damage.
• Campsite and vacation coverage—This may protect you if someone else is injured or their property is damaged when using your RV on vacation or at a campsite. 
• Full-time residence insurance—If you permanently live in your RV, this may be coverage to add. 
• Liability insurance—This may cover you against damage you cause to others if you are at fault in an accident.
  • Bodily injury liability coverage may pay for their medical bills (and, in some cases, deaths).
  • Property damage liability may pay for damage to the other driver’s property, such as their vehicle.
• Medical coverage—This may pay for your medical bills and your passengers for injuries sustained in an RV-related accident.
• Uninsured/underinsured insurance—This may cover you against damage caused by someone else who doesn’t have appropriate liability coverage. 

Additional Insurance To Consider 

Numerous types of insurance can be helpful to you on the road, including rental car coverage. In addition, if your RV has custom equipment such as quality sound or entertainment systems, you can get additional coverage for an extra premium. If you plan to use your RV as a temporary vacation home, you may want to add these other protections: 

• Emergency expenses—This coverage is for temporary living expenses or travel expenses if your RV becomes disabled due to a covered event.
• Equipment and attached accessories—This coverage is for additional equipment like satellite dishes or awnings attached to your RV.
• Personal belongings—This coverage is for your personal property kept in your RV.
• Towing and roadside—This coverage is for towing services or roadside assistance. 

Protect Your Journey 

Wherever the road takes you, we can ensure you have the protection you need. Your RV insurance policy premium depends on numerous factors, including your RV type, the amount of use and your driving experience. Wilgus Insurance can help you get your personalized RV coverage. Call us at 844-494-5487 to get started on your policy.