Recreational Vehicle Insurance in Lancaster, CA

Owning an RV offers the freedom to travel at your own pace, with the comforts of home wherever you go. No matter how you use your RV, keeping your investment financially protected is crucial. Recreational vehicle insurance can provide specialized coverage beyond standard auto insurance, helping you avoid substantial out-of-pocket costs following accidents or other unforeseen events.

What Qualifies as a Recreational Vehicle?

Recreational vehicles come in various shapes and sizes. Generally, an RV is any vehicle designed for recreational use that combines transportation with living accommodations. This includes motorhomes (Class A, B and C), travel trailers, fifth-wheel trailers and truck campers. Whatever type of RV you have, it’s good to have insurance coverage that matches its specific needs.

Is an RV Covered Under Auto Insurance?

Many RV owners mistakenly believe their standard auto insurance policy will cover their RV. While some aspects of your RV might be covered under auto insurance, the coverage is often limited and inadequate. Auto insurance typically covers liability while driving, but it may not extend to the personal belongings inside your RV or cover you when your RV is parked and used as a living space. With a personalized RV insurance policy, you may have access to funds to help you repair or replace your RV after an accident, fire, theft or other mishaps.

What Does RV Insurance Cover?

RV insurance may cover a range of risks unique to recreational vehicles, including the following:

• Bodily injury liability may pay for the medical expenses of third parties injured in an accident.
• Property damage liability may provide financial assistance if you’re responsible for causing damage to someone else’s property in an accident.
• Collision coverage may pay for damage from accidents involving another vehicle or object.
• Comprehensive coverage may cover noncollision-related incidents like vandalism or theft.
• Uninsured/underinsured motorist may cover costs when the at-fault driver in an accident has little or no insurance.
• Medical payments coverage may pay for medical expenses, follow-up visits and funeral expenses after an accident.

Speak With an Expert

With over 40 years of combined experience in the insurance industry, Huddleston Insurance Services is here to help you find the right recreational vehicle insurance policy. Contact us today to get started.