Recreational Vehicle Insurance

Your recreational vehicle (RV) can provide exciting opportunities to explore the open road while enjoying a home on wheels. However, various risks and exposures related to your RV must be accounted for. After all, even the most experienced and responsible RV owners and operators may eventually be involved in accidents or other incidents that could incur significant financial consequences. With this in mind, RV insurance coverage should be a top priority.

What Is RV Insurance?

As its name suggests, RV insurance is a specialized type of coverage focused on providing financial security for you and your vehicle. Although policies can typically be customized to suit your needs, preferences and budget, the following coverages are generally advisable:

• Bodily injury liability coverage can help pay for third parties’ medical expenses and financial losses if you are at fault for an accident on the road.
• Property damage liability coverage may protect you from the financial consequences of colliding with another party’s property, such as their vehicle or building.
• Collision coverage can render financial aid if your RV is damaged due to a collision.
• Comprehensive coverage may help pay for losses and damages from fires, theft, vandalism or hail.
• Contents coverage can provide financial assistance for losses involving belongings stored in your RV.
• Vacation/campsite liability coverage can insulate you from losses for incidents affecting other parties occurring in or around your RV while parked.
• Uninsured/underinsured motorist coverage may compensate you for financial losses if another party is at fault for an accident but does not have sufficient insurance.

How Much Does RV Insurance Cost?

RV insurance companies must consider many factors when assessing your risk levels and quoting rates for appropriate coverage. This process may include analysis of the following:

• Location
• Use details (e.g., full-time vs. part-time residence and estimated annual mileage)
• Driving records
• Vehicle details (e.g., class, size and age)
• Claims history
• Policy details (e.g., coverage limits, endorsements and deductibles)

We’re Here to Help

At Contigo Insurance, we have over 20 years of experience serving motorists, families and businesses in the Palatine, Illinois area. Contact us today to learn more about your options or to get a personalized RV insurance quote.