How To Insure Your San Diego Recreational Vehicle

San Diego RV Insurance

A recreational vehicle (RV) is traditionally viewed as a motor home, but many travel trailers, fifth wheels, and tour buses are considered RVs as well. RVs combine many aspects of regular traveling vehicles with aspects of a home. There are several issues that need to be considered when purchasing RV insurance.

Examples of RV’s

  • Motor homes (classes A, B, and C)
  • Motor coaches
  • Camper vans
  • Travel trailers (campers, pop-ups, fifth wheels, and toy haulers)

It is a legal requirement to have liability insurance for your RV. RV liability insurance covers bodily injury and property that is caused by the insured RV. This protects third parties who the RV owner may collide with, and provides some level of protection, depending on the policy limits. Collision insurance covers damage done to the RV as a result of a collision. This includes situations in which the RV collides with an object or an object collides with the RV.

One of the main differences between RV insurance and standard auto insurance is that RV insurance policies can cover appliances and personal items in the RV, such as plumbing, electrical problems, motors, TV’s and other items.

Some Optional RV Insurance Coverages

  • Optional full replacement cost coverage
  • Emergency expense allowance
  • Campsite and vacation coverage
  • Towing and roadside assistance coverage
  • RV in storage option
  • Uninsured and underinsured motorist’s coverage

RV insurance will cover items and mishaps that are specific to motorhomes, rather than regular cars.  All RV’s, such as Class A, B, C, fifth wheels, and travel trailers, will be uniquely covered in insurance for RV policies. RV’s are used for a variety of purposes. Your RV insurance premiums will vary depending on the type and amount of usage you get out of your vehicle. Call McCormick Insurance for an evaluation of your RV needs. Get a free quote by completing the quote form below!

Are you curious to know how you can save more by combining your auto and home insurance? (619) 276-0492. The Wayne McCormick Insurance team in San Diego is ready to serve you, and help you save up to 22% on your homeowners, condo or apartment building insurance





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