RV Insurance provided by Browne Insurance Services

There's so much to explore when you're cruising the country in your motorhome or RV. Not all surprises are good ones, though, which is why it helps to have a RV or motorhome insurance protection for yourself, your traveling companions and your RV.
What is RV Insurance?

RV insurance is different than car insurance. That’s why motorhomes, travel trailers and campers need custom coverage. RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.

What are the types of RV Insurance?

Standard RV coverages

Comprehensive and collision

Comprehensive covers your RV for events beyond your control: theft, vandalism, fire, glass breakage, weather-related incidents, and collisions with animals. Collision will repair or replace your RV if damaged in an accident with an object or another vehicle, regardless of fault. A deductible applies for both comprehensive and collision.

Example: Your travel trailer is damaged by hail while parked at a campsite. Comprehensive pays for the repairs, minus your deductible.

Liability

Pays for damages and/or injuries you cause. Liability coverage is required by law if you drive your motorhome. However, when insuring a travel trailer, you won’t have the option to select liability coverage because your trailer is pulled by a motor vehicle. Just make sure you have liability coverage on the vehicle that tows your travel trailer.

Example: You cause an accident while driving your motorhome, damaging another vehicle and injuring the driver. RV liability insurance pays for the driver’s medical bills and vehicle repairs, up to your policy’s limits.

Uninsured/underinsured motorist (UM/UIM)

If you’re hit by a motorist with no insurance or not enough insurance, UM/UIM can pay for your injuries, damages to your RV, and lost wages if you can’t work.

Example: You’re rear-ended by a driver with no insurance. Your motorhome is damaged and one of your passengers is injured. UM/UIM covers, up to your policy’s limits, the repairs to your RV and your passenger’s medical bills.

Medical payments

Covers medical bills for you and your passengers if you’re in an accident with your motorhome, regardless of fault. Note that medical payments don’t apply to travel trailer policies.

Example: Your spouse is injured in a fender bender while traveling in your motorhome. Medical payments will pay for your spouse’s hospital bills, even if the accident was your fault.

Additional Coverages such as Roadside assistance, Total loss replacement, Vacation liability, Full timers Liability & many more.

What is the importance of RV Insurance?

If you own an RV or are thinking of purchasing one, you may wonder why you need RV insurance to begin with. Here are a few reasons why it is important to have specialized RV coverage for your motorhome:

RV Insurance is Required by State Law – All states require a minimum amount of liability insurance coverage.

Your RV is an Investment – Many RV-owners spend as much on their RV as they would on a car or home. Purchasing RV insurance for your vehicle allows you to ensure that your investment is properly protected.

Liability Coverage for Your Campsite – If one of your guests is injured in or around your RV, you could be liable. RV coverage provides you with protection in these types of situations.

If you are thinking about vacationing on the open road or using a motorhome as your primary residence,  let us do the hard work for you. Call us now to know more about the various options in RV insurance. 

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As an independent agency, Browne Insurance Services
Helps you find the right RV Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • Bodily injury
  • Vacation liability
  • Towing & labour
  • Roadside assistance
  • Uninsured motorist
  • Comprehensive
  • Property Damage

Bodily injury Coverage

Risk Factors

If you cause an accident with your RV and someone is injured, you need to pay for their loss.

Solution

This coverage can help pay their medical bills and loss of income. Most states require liability coverage.

Vacation liability Coverage

Risk Factors

You are on a vacation and an accident occurs in your premises causing a substantial damage.

Solution

Provides protection if an accident happens on the premises while the RV is being used as a temporary residence. Some companies provide up to $10,000 in coverage with any pleasure-use RV that has physical damage coverage under both comprehensive and collision coverages.

Towing & labour Coverage

Risk Factors

Your RV breaks down and you are in immediate need of towing so you will reach a Garage repair shop easily.

Solution

Covers towing and labour, as well as trip interruption expenses such as lodging, transportation and meals.

Roadside assistance Coverage

Risk Factors

You may fall in need of fuel, a tire change, a jumpstart or a tow while travelling

Solution

Get 24/7 emergency help if you need fuel, a tire change, a jumpstart or a tow. Roadside Assistance also covers any trip interruption expenses that happen when you’re more than 50 miles away from home.

Uninsured / Underinsured Motorist Coverage

Risk Factors

Drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV can put you into liabilities.

Solution

This RV coverage helps protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV. This coverage may also protect you from covered hit-and-run accidents

Comprehensive Coverage

Risk Factors

Also known as “other than collision,” this coverage can help pay for non-collision damage to your RV.

Solution

This includes damage from vandalism, theft, failing objects, fire, storms, floods and certain other natural disasters.

Property damage liability Coverage

Risk Factors

If you cause an accident with your RV and damage someone’s property, you need to pay for their loss.

Solution

This coverage helps pay for damages to another person’s vehicle or property. Most states require liability coverage.

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