RV Motorhome Insurance

Recreational Vehicles or RVs can be fun and practical to use for vacations, road trips and even temporary residence. There is a wide variety of RV types, some of which are self-contained, and others towed. Different RV types include motor homes, travel trailers, pop-up campers and fifth wheels. They can be complex, potentially serving multiple very different purposes and built with multiple integrated systems. An RV can be a house, a vehicle, a kitchen, a bathroom and a bedroom. It can also be an oversized bus or trailer, which can be challenging and risky to maneuver on smaller roads, in heavy traffic and within cities.

Adding up all the different purposes of an RV will leave you with a plethora of risks of things going wrong. Because of the multiple purposes, RV insurance is different from regular auto insurance.

RV insurance for personal recreational use can be given for up to 250 days per year. They include a comprehensive package of options to cover almost any possible scenario related to living in, driving or owning different types of RVs.

Coverage options include

  • Property Damage Liability
  • Personal Injury Liability
  • Vacation Liability
  • Comprehensive
  • Damage caused by uninsured third-party motorist
  • Personal Injury Protection
  • Property Damage
  • Property Protection
  • Collision
  • Roadside assistance
  • Custom equipment
  • Personal effects
  • Pet coverage

RV insurance is required for self-contained vehicles, just like an ordinary auto insurance. Although not required for towed RVs, insurance can be required by a lender. Talk to a Crusberg-Decker insurance agent about your specific type of RV and how you are planning on using and storing it, so we can plan for all different risk scenarios and design an insurance plan that will reduce the risks so you can enjoy your time on the road or wherever you may be with your RV. Contact us at 800.640.1712 or fill out the form on this page to learn more.

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