Recreational Vehicle Insurance in Santa Maria, CA
Recreational vehicle (RV) insurance should be considered essential for RV owners. This coverage can help pay for incidents involving your RV and may even be required by law.
Is Insurance Required?
California requires motorized vehicles to have liability insurance to help pay for damage they cause to others. This includes motorized RVs, camper vans and similar vehicles. Towable campers or travel trailers are generally excluded from this legal requirement; however, insuring them can still be a smart move. Additionally, the lender will likely require certain coverage if you have a loan on the RV or are renting it.
Does My Auto Policy Cover My RV?
No, your personal car insurance does not apply to your RV in most cases. If you have a towable camper trailer, your auto policy’s liability coverage may apply while it’s being towed, but that’s all. If your RV is motorized, it needs its own policy.
What Can RV Insurance Include?
RV insurance may offer similar coverage to that of personal auto insurance, though the policies are distinct. Consider the following options:
- Liability coverage may help pay for damage you cause to others, including their medical bills and repair costs.
- Physical damage coverage can help pay for damage to your RV in various situations both on and off the road, depending on selected options.
- Medical payments coverage can help cover medical bills for you and passengers after an accident.
- Personal contents coverage can help cover personal items within the RV, up to policy limits.
Part-time RV Insurance vs. Full-time: What’s the Difference?
Part-time RV insurance is an arrangement intended for those who use their RVs only some of the time. This policy allows you to activate coverage only when you need it and reduce coverage when it’s not being used.
Full-time RV insurance is intended for those who live in their RVs for over six months out of the year. It can offer enhanced protection beyond standard coverage. For instance, full-time coverage typically offers liability coverage that can apply when the RV is parked, similar to home insurance.
How Do I Choose?
Contact Nijjar Insurance Services today to discuss RV insurance options for your next journey. We can help determine the right coverage for your unique needs.