While your standard car insurance policy may extend to cover recreational vehicles, it is best to contact us to discuss why  a specific policy might be a wise idea to cover your RV and the specific risks you might face with your recreational vehicle or travel trailer. Most RV insurance covers motor homes or travel trailers.

Motorhomes are vehicles that include a living area permanently attached to the vehicle. This living area should include cooking appliances, bathroom, refrigeration, heating and cooling, and an electrical system.

Travel Trailer insurance or camper insurance is meant to cover non-motorized recreational vehicles that are most commonly towed by another vehicle and used for camping. Travel Trailer insurance usually requires there be a cooking area and a sleeping area.

Trailer insurance usually only applies to liability coverages so your existing car insurance might not be sufficient. Trailer insurance often includes liability coverage, comprehensive, collision, and contents coverage.

Examples of trailers would include boat trailers, car trailers, camping trailers, horse trailers, and other towed trailers.

LIABILITY COVERAGE FOR RV’s AND TRAILERS
Liability coverage helps cover costs associated with bodily injury and property damages suffered by others.

COLLISION COVERAGE FOR RV’s AND TRAILERS
Collision coverage helps repair or provide a replacement if your RV is damaged in a collision.

COMPREHENSIVE COVERAGE FOR RV’s AND TRAILERS
Comprehensive coverage helps with the cost if your RV is damaged in most non-collision related incidents.

VACATION LIABILITY FOR RV’s AND TRAILERS
Vacation liability is meant to cover you when someone is hurt or their property is damaged while on vacation as opposed to coverage while operating the RV on the road traveling.