Altima Insurance Agency helps you choose from a variety of personal insurance and business insurance solutions.
RV Insurance provided by Altima Insurance Agency
There's so much to explore when you're cruising the country in your motorhome or RV. Not all surprises are good ones, though, which is why it helps to have a RV or motorhome insurance protection for yourself, your traveling companions and your RV.
What is RV Insurance?
RV insurance is different than car insurance. That’s why motorhomes, travel trailers and campers need custom coverage. RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.
What are the types of RV Insurance?
Standard RV coverages
Comprehensive and collision
Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.
Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive pays for the repairs, minus your deductible.
Pays for damages and/or injuries you cause. Liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won’t have the option to select liability coverage because your trailer is pulled by a motor vehicle. Just make sure you have liability coverage on the vehicle that tows your travel trailer.
Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver’s medical bills and vehicle repairs, up to your policy’s limits.
Uninsured/underinsured motorist (UM/UIM)
If you’re hit by a motorist with no insurance or not enough insurance, UM/UIM can pay for your injuries, damages to your RV, and lost wages if you can’t work.
Example: You’re rear-ended by a driver with no insurance. Your motorhome is damaged and one of your passengers is injured. UM/UIM covers, up to your policy’s limits, the repairs to your RV and your passenger’s medical bills.
Covers medical bills for you and your passengers if you’re in an accident with your motorhome, regardless of fault. Note that medical payments don’t apply to travel trailer policies.
Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay for your spouse’s hospital bills, even if the accident was your fault.
Additional Coverages such as Roadside assistance, Total loss replacement, Vacation liability, Full timers Liability & many more.
What is the importance of RV Insurance?
If you own an RV or are thinking of purchasing one, you may wonder why you need RV insurance to begin with. Here are a few reasons why it is important to have specialized RV coverage for your motorhome:
RV Insurance is Required by State Law – All states require a minimum amount of liability insurance coverage.
Your RV is an Investment – Many RV-owners spend as much on their RV as they would on a car or home. Purchasing RV insurance for your vehicle allows you to ensure that your investment is properly protected.
Liability Coverage for Your Campsite – If one of your guests is injured in or around your RV, you could be liable. RV coverage provides you with protection in these types of situations.
If you are thinking about vacationing on the open road or using a motorhome as your primary residence, let us do the hard work for you. Call us now to know more about the various options in RV insurance.