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Recreational Vehicle

Recreational Vehicle (RV) Insurance

Many people in the United States enjoy getting out on the open road for a vacation. For some people the idea of going camping is using a tent and roughing it. For many others, a better idea is to get a recreational vehicle that includes the modern amenities that they enjoy and want. A good RV will be like a house on wheels and it will provide a person with a camping vacation that is very luxurious.

RVs are basically big cars. They can be driven on the roads of the United States. Of course that means that they have to get Recreational Vehicle RV Insurance. All vehicles that are driven in the United States are required to have minimum types of auto insurance. While that will offer some protection, many RV owners will want to get more than just cheap auto insurance and will instead try to get a better insurance policy that covers their extensive recreational vehicle better.

If you are trying to get an auto insurance quote for your RV, you might want to consider these types of coverage.

  • Liability and collision – This is similar to the policies for car insurance. Liability will pay for damages that are caused by the RV in an accident. They will cover the damage to other vehicles, to property and for medical expenses that are incurred. Collision will pay for damage to the RV if it is damaged in an accident.
  • Comprehensive insurance – This insurance will pay for damage to the RV that is not caused in an accident. Some examples of what this insurance policy covers: Floods, trees falling on the RV and if the RV is stolen.
  • Theft – Since an RV is a miniature home, any people store valuables in it. Theft insurance will cover the costs of anything that is stolen out of the RV.
  • Replacement insurance – There are many things that can be damaged that are attached to the RV that may not be covered by regular insurance policies. Satellite antennas, air conditioner unites and awnings can be covered by this type of policy.
  • Vacation Liability – This policy will provide extra protection for the RV that is at a specific place at a specific time. It is perfect for when a person takes their RV on vacation to provide extra coverage.
  • Towing and Labor Insurance – Like a car, RVs can break down. Towing can cost a lot and repairing the RV can also cost a lot. This insurance will pay for these issues when they arise.

An RV is a big investment. Having the right insurance is a good idea to protect this investment. The problem that many people have is that they are not always using their RV. They do not want to pay for something they don’t need all the time. In order to get cheap car insurance on an RV, it may be better to find a company that will offer the most insurance when an RV is in use, but will allow the owner to have less insurance when the vehicle is not in use and is in storage. This can provide the RV owner with the best of both worlds.


Or speak directly with an agent at Insurance Medics, call now at 1 (866) 396-9140. Our customer enrollment center is open Monday through Friday from 9:00AM to 6:00PM EST and Saturday from 10:00AM to 2:00PM. We look forward to answering all your questions and having you as a customer.