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Recreational Vehicle Insurance

What Is It?

Recreational vehicles (RVs) are mobile vacation homes that are common in the U.S. and UK. Also known as motorhomes and caravans, RVs are equipped with standard rooms and appliances that appear in one or two-story homes. Compared to models from the ’70s and ’80s, modern-day RVs are equipped with more advanced luxury features like wide-screen TVs and leather seating. Recreational vehicles insurance is available to help owners with thefts, collisions and natural disasters that occur on the road.


How Does It Work?

Recreational vehicles are places to spend vacations and free time away from work. When accidents occur unexpectedly, obtain RV insurance to avoid paying out-of-pocket expenses that interfere with leisure time.

Pay affordable premiums for RV repairs and replacements without having to cancel the vacation. Receive a market value is based on the RV’s current value in the market or an agreed value based on an agreement made with the insurer.

Different Types of Coverages

Liability insurance protects you from property damage and medical injury claims made by third parties. In most state, this basic type of insurance is required for all car and RV owners.

Replace an RV that is wrecked beyond repair with a total loss replacement policy. A personal effects replacement covers the costs of lost, stolen or damaged personal belongings. Receive a payout based on the current value of your items without paying out of pocket for replacements. Increase the premium to increase the amount of coverage from $1,000 to $100,000.

In an emergency, choose a policy that covers emergency expenses like hotel, food and transportation. An RV medical coverage policy helps you pay for medical injuries sustained during an RV accident.

Vehicular damages occur often with RVs that are driven many miles in a short time span. A windshield repair policy covers windshield repairs and replacements.

RV accidents occur often in remote areas where few people live nearby. Roadside insurance provides 24/7 support in case of vehicle breakdowns, key lockouts and accidents.

Protect your pets on the road with a pet injury policy up to $1,000. Some insurance companies provide a Mexico physical damage policy to pay for property damages that occur in Mexico.