Owning a recreational vehicle (RV) entails risks such as accidents, theft and natural calamities. Securing adequate RV insurance is crucial to safeguard your investment and enjoy peace of mind. At Elliott-Hartman, we prioritize local needs and offer personalized policies tailored to provide the proper coverage. Contact us today for more information.

What Is Insurance for Recreational Vehicles?

Recreational vehicle insurance may provide coverage for various types of RVs, including motorhomes, campervans, travel trailers and fifth-wheels. It can protect both the vehicle and its owner from financial losses resulting from unexpected events. It may often provide the following coverage options:

• Liability coverage may financially protect you if you cause an accident that leads to bodily injury or property damage to others. It may cover legal expenses and settlements or judgments.

• Collision coverage may pay for repairs if your RV is damaged in a collision, regardless of fault. Whether you hit another vehicle or an object, this coverage may ensure your RV gets back on the road.

• Comprehensive coverage may cover non-collision incidents like theft, vandalism, fire and weather damage.

• Personal belongings coverage may financially protect personal items inside your RV, such as electronics, clothing and camping gear, from theft, fire or other covered events.

• Uninsured/underinsured motorist coverage may help cover your medical expenses and property damage if you're in an accident with an at-fault driver who lacks adequate insurance.

• Roadside assistance coverage may provide financial aid for services like towing, battery jump-starts and flat tire changes to help you during RV breakdowns and get you back on your journey.

How Much Does My Policy Cost?

The cost of RV insurance can vary based on several factors, including the type and age of the RV, coverage limits, deductibles and the owner's driving history. For example, motorhomes may often be more expensive to insure than travel trailers due to their higher value and increased risk.

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If you want to financially protect your RV and enjoy your adventures with confidence, contact Elliott-Hartman today for an RV insurance quote.