Recreational Vehicle Insurance

Recreational Vehicle Insurance Information

Insuring: Lexington, Staunton, Covington, Buena Vista, Waynesboro, Clifton Forge, Warm Springs, Hot Springs, Rockbridge, Augusta, Alleghany and Bath Counties, Virginia.

Along with the excitement of traveling in a recreational vehicle (RV) comes the responsibility of protecting your vehicle and ensuring your safety. RV insurance can offer financial assistance in case of unforeseen events, including accidents on the road, fire, theft, vandalism, personal liability incidents and emergency expenses.

What Does RV Insurance Cover?

RV insurance covers a range of potential risks and liabilities unique to recreational vehicles. It typically includes coverage for physical damage, liability and personal belongings. In case of an accident, RV insurance can help cover the cost of repairs, medical expenses and accommodations if your RV becomes uninhabitable. Some policies offer extra benefits such as roadside assistance, emergency expenses and coverage for attached accessories like awnings or satellite dishes.

What Is the Difference Between RV Coverage and Automobile Coverage?

The main difference lies in the specific needs of RV owners. Unlike standard automobile insurance, RV insurance considers that an RV serves as both a vehicle and a temporary residence. RVs generally require coverage for personal belongings, liability when parked and increased policy limits for higher repair costs.

What Kind of Insurance Do I Need for My RV?

When choosing insurance for your RV, consider factors such as the type of RV you own, how frequently you use it and where you plan to travel. A standard RV insurance policy may include the following:

Some insurers offer additional coverage options, such as vacation liability and full-time RV insurance. These options may help cover liability situations when the RV is parked and other perils. Talk with your agent about whether such insurance may be right for your needs.

Remember that if you finance your RV, your lender might require insurance. The state of Virginia also has rules regarding financial responsibility and retaining adequate levels of insurance for drivers.

Additionally, insurance is usually necessary when renting an RV. Sometimes, your auto insurance may offer coverage for rental RVs, but it’s best to verify with your insurance provider.

Contact Our Agency

Huffman Insurance Agencies can help you select the right RV insurance policy that aligns with your specific needs and travel habits. Reach out today to receive your free RV insurance quote.

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