Recreational Vehicle Insurance
Recreational Vehicle Insurance Quote Forms
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Recreational Vehicle Insurance Information
The Road Less Traveled.
Whether you are insuring an RV, boat or ATV, getting an RV insurance policy helps ensure you can enjoy your recreational vehicle.
The team at Blake Elliott Insurance Agency are experts in RV insurance. We can help you with the coverage you need to protect you financially should the unexpected happen. Contact us today to discuss your options and get a personalized RV insurance quote.
Why Buy Recreational Vehicle Insurance?
There are responsibilities that come with owning and operating a boat, ATV, motorcycle, motorhome or snowmobile. Recreational vehicle insurance can help protect your finances by providing coverage that may help repair or replace your recreational vehicle after a covered incident. Having adequate coverage can protect your investment from expensive repairs needed due to weather damage, vandalism, theft and collisions.
If someone is injured in a crash with your recreational vehicle or there is third-party property damage, your liability coverage can help pay related costs.
Is Recreational Vehicle Insurance Required?
Recreational vehicle insurance may be required, depending on the type of vehicle and your state’s laws. You must carry a minimum amount of liability coverage in every state if you plan to drive your self-propelled recreational vehicle on the road.
Your agent can help you determine if the minimum required liability insurance is enough to protect you financially. You have coverage up to the limits of your insurance policy. If you are liable for damages that exceed your insurance policy’s limits, you may have to pay the remaining costs out-of-pocket.
If you have a loan or lease on your RV, the lienholder also requires you to purchase specific types of coverage, including comprehensive and collision coverage. This will help protect their financial interests.
Standard Motorhome and RV Insurance
Your agent may recommend the following basic insurance coverage for your RV or motorhome:
Bodily injury liability. This policy helps pay for third-party injuries if you are at fault in an accident.
Property damage liability. This policy helps pay for damages to another person’s property or vehicle if you are legally liable in an accident.
Uninsured/underinsured motorists. This coverage helps reimburse you for damages or injuries caused by a driver without the proper amounts or types of insurance.
Medical payments. This coverage helps pay medical expenses for you and your passengers after an accident, no matter who is at fault.
Comprehensive. This coverage provides coverage if your RV is damaged due to a non-collision event such as an accident involving an animal, falling objects, theft, fire, vandalism or hail.
Collision. This coverage helps pay to repair or replace your RV or motorhome if you hit another object or vehicle, are in a rollover accident or another vehicle hits you.
Your agent may also recommend the following additional coverage, depending on your situation:
Custom equipment insurance helps pay to repair or replace aftermarket equipment and parts not installed by the manufacturer.
Safety glass replacement provides coverage for replacing or repairing an ATV or motorhome windshield.
Awning replacement provides coverage for an awning destroyed in a covered event.
Roadside assistance pays to tow your RV or motorhome if disabled. It may also provide emergency roadside assistance.
Full-timers insurance provides coverage if your motorhome or RV is your permanent residence.
Get the RV or Motorhome Insurance You Need
Blake Elliott Insurance Agency provides recreational vehicle insurance to adventurers near Tuolumne, Sonora, Riverbank, Oakdale, Twain Harte and Modesto.
The RV insurance experts at Blake Elliot Insurance Agency are ready to help you get the coverage you need. Contact one of our representatives today to find a package that works best for you and get a personalized RV insurance quote.
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