Owning a recreational vehicle is a great way to travel and see the world around us. Whether you are climbing a winding road in the Rockies, trudging through the hot desert of the southwest an RV can get you there comfortably.
About Recreational Vehicle Insurance
Buying a recreational vehicle is a big investment. Fortunately, the experts at Safeguard Insurance have the RV insurance programs to find you the right coverage at the right price. We understand the insurance requirements of recreational vehicle owners and can tailor a policy to fit your individual needs.
Types of Recreational Vehicles
Because they are consider motor vehicles, motor homes are required to carry bodily and property damage liability coverage, similar to an auto insurance policy. Motor home owners should also consider buying uninsured motorist and medical payments coverage, just as you would for an auto insurance policy.
Conversely, travel trailers, popup’s and truck mounted campers are either towed or carried by another vehicle and are not required to carry liability coverage.
For all types of recreational vehicles, we recommend considering the following types of insurance coverage:
- Physical damage coverage, similar to an auto insurance policy, provides for damage to the RV. The coverage is split into two parts – comprehensive and collision. Comprehensive covers things other than collision, such as fire, vandalism and glass damage. Collision covers your RV striking another object. Physical damage coverage applies regardless of fault.
- Vacation liability provides coverage for injury and damage for which the insured is legally liable, while the RV is being used as a temporary vacation residence. Coverage limits range from $10,000 up to $500,000.
- Personal effects provides coverage for all the stuff you keep inside the RV. A deductible typically applies and coverage can range from $1,000 up to $100,000.
- Roadside assistance coverage pays for towing or labor if you suffer a mechanical breakdown to your motor home or the vehicle towing your travel trailer. Coverage varies, but usually includes delivery of fuel, lock-out, battery failure and entrapment in snow, and or mud.
- Agreed value coverage is available from many RV insurance carriers and is worth considering. This provides an “agreed” value for your RV in the event of a total loss, rather than depreciated actual cash value.
- Total loss replacement cost provides you with a new RV in the event yours is declared a total loss. This coverage is typically available for just the first few years of ownership.
- Mexico coverage is critical if decide to take a trip across the Southern border. Most RV (and auto insurance) policies provide coverage only in the US and Canada. You’ll need to purchase special coverage for any travel into Mexico.
Recreational Vehicle Insurance Providers
At Safeguard Insurance we work with many national providers of RV insurance. All of our carriers are “A” rated and offer 24/7 claim and customer service. You can be assured that representatives are ready to assist you anytime day or night. Some of the insurance companies we may quote your RV with include:
- National General (formerly GMAC)
- American Modern
Get An Insurance Quote for Your Recreational Vehicle
To receive a no obligation quote for your RV insurance, complete the short quote request form on this page, or call us at 702-638-0022. One of our knowledgeable agents will contact you within a few minutes to discuss your needs and provide a quote.
Safeguard Insurance is licensed to provide recreational vehicle insurance in Nevada, Utah, Arizona, California, Idaho, New Mexico, Washington, and Oregon.