Family vacation travel auto insurance

RV Insurance Basics

From camper vans to bus conversions, by the time summer arrives, motorists have set out across the country. In fact, millions of American households own recreational vehicles. For some, it even becomes a modern-day nomadic lifestyle. There’s an alluring sense of freedom to the open road that can be hard to capture in daily life. But before you lose yourself in the spirit of adventure, there are some practicalities to think about. Your protection policy, for one. RV insurance is similar to run-of-the-mill auto insurance. It covers risk factors, like collision. Plus, it’s also possible to insure on board personal belongings, as well as attached equipment, such as satellite dishes.

Recreational vehicles include a broad range of vehicles, and your RV insurance needs are dependent on a few factors. For example, how many miles you put on it, whether it’s your full-time residence, and the class of your vehicle.

Is RV Insurance Required?

All states require RV insurance, but the minimums vary. In some instances, uninsured and underinsured motorists coverage is necessary, along with liability insurance. Though, in general, RV owners choose their own collision and comprehensive insurance limits.

How Much Insurance Do I Need?

Deciding how much insurance is right for you depends on certain factors. Some of them include:

  • State requirements
  • If the vehicle is your full-time or part-time residence
  • If you plan to cross state and country borders
  • The class of your vehicle

Where Can I Get Insurance?

Before you hit the open road in your RV, it’s important to find the best insurance for your motorhome or camper. We can explain the state coverage requirements in California, and help you compare all of your options.

We know it can seem like a confusing process. For help selecting the right policy for your needs, please contact our Livermore office for a free insurance quote: (925) 447-1744.