Recreational Vehicle Insurance in Garden Grove, CA

Some believe that recreational vehicle (RV) insurance is only necessary while on the road. However, insurance is also essential when your RV is parked or stored, as it may prevent financial losses due to theft, vandalism and other risks.

Is RV Insurance Mandatory?

Drivers in California must carry proof of financial responsibility, which usually means proof of insurance. Like most states, liability coverage is the minimum requirement. RV insurance is necessary if your RV is motorized. For towable RVs like travel trailers, the liability coverage of the towing vehicle typically extends to the trailer, meaning separate liability insurance isn’t legally required. However, it’s advisable to consider additional comprehensive and collision coverage for your RV as these may help you avoid out-of-pocket expenses after an accident.

Moreover, if you’re financing or leasing your motorhome or travel trailer, lenders typically require that you carry comprehensive and collision coverage.

What Does My Policy Cover?

RV insurance is customizable and can include several coverage types that address different needs. Common options include the following:

Liability protection may cover property damage or bodily injuries you caused to others.
Collision coverage may pay for repairs to your RV after an accident.
Comprehensive coverage may cover noncollision events like theft, fire or severe weather.
Personal belongings coverage may provide funds to repair or replace items inside the RV, such as electronics or camping gear, if stolen or damaged by a covered event.
Uninsured/underinsured motorist coverage may provide financial aid after an accident with an at-fault driver who lacks insurance.
Roadside assistance coverage may provide towing and emergency support for breakdowns.
Emergency expenses coverage may help with lodging or transportation costs if your RV becomes unusable due to a covered event.
Campsite liability protection may cover legal fees and medical bills related to accidents that occur while your RV is parked at a campsite.
Total loss replacement coverage may pay what it costs to purchase a new, comparable model if your RV is totaled within a specified period.
Full-timer coverage may cover personal liability, medical payments, personal belongings and other losses for those who use their RV as their permanent residence.

Secure a Policy Today

At New Advantage Insurance Agency, we offer customized RV insurance solutions that won’t break the bank. Contact us today to explore your options.