RV Insurance in California

Forms of Coverage Offered By California RV Insurance

The most common forms of coverage offered by California RV insurance are:

Liability Coverage

This covers your legal responsibility for any bodily injury or property damage caused by your RV to other people or their property. It also pays for your legal defense if you are sued for an accident involving your RV. Liability coverage is required by law in California for all motor vehicles, including RVs.

Collision Coverage

If you are involved in an accident with another vehicle, or if your RV collides with a stationary object, collision coverage will pay to repair the damage to your vehicle.

Comprehensive Coverage 

Comprehensive coverage pays for repairs and replacements caused by events such as theft, vandalism, fire, hail and windstorms, falling objects, and other non-collision incidents. Comprehensive coverage is optional, but it may be required by your lender if you have a loan on your RV.

Uninsured/Underinsured Motorist Coverage

This covers your medical expenses and property damage if you are involved in an accident with a driver who has no insurance or not enough insurance to cover your losses. An example would be if you are hit by a driver with only $15,000 of liability coverage and your damages exceed that amount. Uninsured motorist coverage is also required by law in California for all motor vehicles, including RVs.

Medical Payments Coverage

When you purchase payments coverage, your insurer will pay for the medical expenses of you and your passengers if they are injured in an accident involving your RV. Examples of medical expenses covered by this type of policy include hospital bills, ambulance fees, and doctor visits.

Personal Effects Coverage

Do you have precious items stored in your RV? This type of coverage provides protection for the contents of your RV, including clothing, jewelry, electronics and other items. You will greatly benefit from this coverage if someone steals your possessions or if your RV is destroyed in an accident.

Emergency Expense Coverage

An emergency expense policy for your RV will cover the costs of meals, lodging and transportation if you are stranded due to a mechanical breakdown when at least 50 miles away from your home. This is especially important if you are traveling out of state, as many roadside assistance programs do not cover this type of expense.

Roadside Assistance Coverage

This covers the cost of towing, battery jump-starts, flat tire changes, fuel delivery, lockout services, and other roadside assistance if you have a mechanical breakdown or other emergency involving your RV.

These are some of the forms of coverage offered by California RV insurance. Depending on your needs and preferences, you may want to add other forms of coverage to customize your policy. For example, you may want to add:

• Pet coverage if you travel with your four-legged friends
• Trip interruption coverage if you need to cancel or delay a trip due to an emergency
• Replacement cost coverage for newer RVs
• Specialized equipment coverage to protect expensive items such as satellite dishes, antennas, and generators

Ultimately, it's important to purchase the coverage you need so that you and your RV are protected from any potential risks.