Protect Your Investment From the Unexpected
RVs are designed to help you explore the country and go on memorable adventures. When you’re towing your travel trailer down the highway, or setting up your motorhome at a campground, accidents can happen. Other vehicles, weather, human error—there are a lot of things you can’t plan for. We offer RV insurance to help protect your investment from potential accidents and mishaps. With affordable and flexible insurance programs, we have the right option for you. Get your RV insurance quote today.
Types of RV Insurance
Full Replacement Insurance
If something happens to your RV that’s within your policy’s bounds, you’ll get a new RV that’s the same or similar to the model you had. As an example, if you had a 2015 Surveyor you will get the same 2018 Surveyor model. If that’s not available you’ll get a similar new trailer of a similar value.
With Replacement Insurance, if your trailer does have to be replaced, you’ll get a new trailer worth a similar value to the old trailer. So, if your trailer was worth $20,000, you’ll get one worth that much with similar capabilities to your old one. This is the current value of your trailer, so if it has depreciated over ten years of ownership, you will get what it is worth today rather than what it was worth at the time you purchased it.
Insurance for an Amount
This is the most cut-and-dry type of RV insurance. Essentially, you insure your RV for a certain amount of money, and if something happens within the bounds of your policy, you get that amount back. As an example, if you insure your travel trailer for $10,000 and something happens where it needs to be replaced, you get $10,000.
Do you have to have insurance on an RV?
Generally speaking, your regular car insurance will likely extend to your trailer, but that only covers liability. RV insurance tends to have much more extensive coverage. Every policy is different, so feel free to contact us for more info and we’ll walk you through all the details.
How much does it cost to insure a RV?
Since RVs come in all types, shapes, sizes, and capabilities, the cost of RV insurance will vary widely. Your driving record, age, and other factors are weighed when determining cost. Contact us and give us an idea of the trailer you’re looking to insure; we’ll give you a quote on an affordable policy.