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Recreational Vehicle Insurance in Roseville, California

When you decide to purchase a recreational vehicle (RV), it’s important to put the proper measures in place to protect it; after all, it is a significant investment. One way to protect this valuable purchase is through RV insurance. RV insurance provides financial protection if you cause injuries or damage to others and can also help cover the cost of damage to your vehicle if a covered incident occurs. RV insurance may cover various vehicles, including class A, B and C motorhomes, travel trailers, and pop-up and truck campers.

How Much RV Insurance Do I Need?

Each state has different requirements when it comes to RV insurance. In California, motorhomes are required to have liability coverage because they are driven and can move under their own power, similar to a car or truck. Liability coverage is not required if the RV needs to be towed, such as a travel trailer or pop-up camper. However, it’s important to speak with an insurance professional to ensure you have the proper coverage for your situation.

How Does RV Insurance Work?

When you have RV insurance, you can file a claim with your insurance provider if you damage your RV, injure someone or cause damage to another person’s property. Depending on the details of the incident, your insurer may pay for losses or injuries up to your coverage amount.

What Does RV Insurance Cover?

Most standard RV insurance policies include the following:

  • Physical damage coverage may help protect your RV from theft, vandalism, windshield damage, acts of nature, rocks and debris, and accidents with animals. It may also include collision coverage, which can help cover damages to your RV due to an accident.
  • Bodily injury and property damage liability may help pay for damage or injuries you cause while driving your motorhome and may help cover legal fees resulting from an accident.
  • Uninsured/underinsured property damage and bodily injury may help pay to repair or replace your RV in an accident with a driver who doesn’t have the appropriate insurance coverage. It may also help cover injuries you suffer from the accident.
  • Medical payments coverage may help cover medical expenses for you and others in the motorhome due to an accident-related bodily injury.

RV Insurance Cost in Roseville, California

If you are interested in learning more about RV insurance and what coverage options are right for you, contact S & G Mitchell Insurance Agency. Our dedicated staff is available to help you protect what matters to you most.

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