If you’ve chosen to take your life on the road, you want to make sure your home-on-wheels is properly covered. That’s why recreational vehicle (RV) and motorhome insurance is a must.
Most states require additional insurance for your RV that is separate from your auto policy. You’re required to meet the state minimum for liability because motorhomes are driven and not towed. If you’re “driving” a motorhome, you need liability coverage to stay legal on the road. Failure to carry liability insurance could result in a revoked license, fines, or even jail time. Yikes!
Here’s where it gets interesting. If you’re “pulling” or towing a travel trailer, your state won’t require you to insure the RV because you’re already covered for liability on your personal auto insurance policy.
What’s Covered
RV insurance policies cover direct and accidental physical damage to a motor home. This coverage extends to any permanently installed accessories such as: awnings, antennas and satellite dishes. Collision, lightning, flooding, landslides, wind and hail, wild animals, fire and smoke, vandalism and theft, and trees and overhangs are typically covered on a standard RV policy.
Insurance protects your motorhome, travel trailer, camper, RV, fifth wheel, or whatever else you want to call it. So, before you set out on that cross-country expedition to Disneyland, call us and we’ll get your RV covered.
