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Recreational Vehicle Insurance

Owning a recreational vehicle (RV) allows you to explore the open road and enjoy the outdoors. However, with this privilege comes the responsibility of adequately protecting your RV. Without the right insurance, you could face significant financial losses from accidents, theft or natural disasters. This is where RV insurance becomes essential. At Leaders Insurance Group, we offer customized policies to ensure your RV is protected against potential risks.

What Is RV Insurance?

RV insurance is a specialized policy designed to cover various types of RVs, including motorhomes, travel trailers and camper vans. This insurance typically provides the following:

  • Liability coverage—This can help cover bodily injury and property damage if you’re at fault in an accident.
  • Collision coverage—This may help pay for damage to your RV caused by a collision with another vehicle or object.
  • Comprehensive coverage—This can help cover non-collision-related damage, such as theft, fire or natural disasters.
  • Personal injury protection—This can help cover injury-related expenses for you and your passengers after an accident, regardless of fault, up to the policy’s limits.
  • Uninsured/underinsured motorist coverage—This can help protect you if you’re involved in an accident with an at-fault driver who doesn’t have sufficient insurance.
  • Personal effects coverage—This can help cover personal belongings inside the RV.
  • Roadside assistance—This may help if your RV breaks down, including towing and labor costs.
  • Vacation liability—This can help cover incidents while your RV is parked and used as a temporary residence.

Is an RV Covered Under Auto Insurance?

While a standard auto insurance policy may cover certain aspects of a towable RV, it is usually not enough. Auto insurance typically doesn’t cover the unique risks of RVs, such as personal belongings inside, full-time living or specialized equipment. A dedicated RV insurance policy is essential for adequate coverage.

How Much Is RV Insurance?

The cost of RV insurance is influenced by factors like the type and value of your RV, how often you use it and the coverage options you select. To get the best coverage at a competitive price, it’s essential to compare quotes from multiple providers.

Learn More

At Leaders Insurance Group, we understand the unique needs of RV owners. We can provide a personalized quote to ensure you are fully protected while on the road. Contact us today.

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