Recreational Vehicle Insurance
Recreational Vehicle Insurance Quote Forms
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Recreational Vehicle Insurance Information
If you own a motorhome or travel trailer, it’s essential to know you need specialized coverage to keep you protected while on the road. RV insurance is the best way to keep your RV protected in situations that may cause you and your RV financial harm. At Cloverleaf Insurance, we’re ready to help you sort through the benefits of RV insurance.
What Is RV Insurance?
RV insurance is coverage for your motorhome or RV that/ helps protect your vehicle if it becomes damaged in an incident. You can receive coverage for personal belongings inside your RV as well. Medical fees are also covered for any medical bills you or passengers may incur due to an accident. There are several standard coverages offered as part of RV insurance, including:
Collision – If your RV becomes damaged in an accident, regardless of who’s at fault, this coverage helps pay for damages.
Liability – This coverage is required by law if you drive your motorhome. Liability insurance helps pay for damages or injuries that you cause.
Uninsured/underinsured motorist – If you get hit by an uninsured or underinsured motorist, this policy can help pay for the coinciding costs.
Medical payments – If you’re in an accident, this coverage can help pay for the medical expenses of you and your passengers.
There are additional coverage options as well that are available for purchase, depending on the needs of your motorhome and lifestyle. The following are some of the offered coverages:
The types and amount of coverage you need will be individualized to you and your RV. To learn more about the coverage options best suited for you, connect with a Cloverleaf Insurance agent.
Roadside assistance – If your motorhome or trailer needs to be towed or roadside assistance such as fuel delivery or dead battery replacement is needed, this coverage can help.
Total loss replacement – If your motorhome is totaled in an accident, this coverage helps with the costs of a new one. The amount of coverage this policy provides will differ, so be sure to discuss your needs with an agent beforehand.
Vacation liability – If you or someone in your RV is hurt on vacation, you’ll have a designated coverage limit to help pay for the associated expenses.
Full timer’s liability – If you live in your RV full-time as a permanent residence, this coverage can help pay for the injuries of you and others around the vehicle.
Replacement cost – If your phone or camera equipment, for example, is damaged or stolen from your RV, this policy can help provide coverage for these items up to a certain amount.
How Much Does RV Insurance Cost?
There is no set cost for RV insurance. Various factors may influence your rates, such as how much insurance you’re purchasing, the vehicle type and how often you drive your RV. Contact your agent to get started with a quote.
Get Started with RV Insurance
The Cloverleaf Insurance agents are well-versed in RV insurance and ready to help you determine which coverage options are best for you. To get started with coverage or for more information, contact your agent today.