Recreational Vehicle Insurance
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Recreational Vehicle Insurance Information
RV Insurance Solutions for Susanville, CA
California is home to some of the most scenic highway routes in the nation. Not only that, but the state is peppered with pristine landscapes and multiple state & national parks that offer extensive camping opportunities. There is no better place to take a road trip, and the best way to do so is in your RV.
However, driving and living in an RV means assuming liabilities that not only relate to vehicles, but also to homes. That is why you cannot buy car insurance and expect it to be adequate for this large, multi-functional vehicle. Instead, you need a tailored RV insurance policy.
Countless northern California residents trust Pregill Insurance of Susanville to help them get the right coverage. We can help you design an RV policy that protects you both on and off the road and that still is affordable.
Common RV Insurance Questions
Do I have to buy RV insurance in California?
As an at-fault state, California compels drivers who cause accidents to pay for the damage of others. To enforce this regulation, the law requires drivers to carry proof of financial responsibility.
Most people meet this obligation by carrying RV liability insurance. If a wreck is your fault, then this coverage can pay for the property damage or injuries you cause to third parties like other drivers.
All auto insurance policies issued in California must have at least the following liability limits:
$15,000 bodily injury liability coverage per person
$30,000 bodily injury liability coverage per accident
$5,000 property damage liability coverage
Additionally, if you lease or finance an RV, then your lender or dealer might require you to buy physical damage coverage like collision & comprehensive insurance.
Collision coverage pays you when you damage your car in a wreck.
Comprehensive coverage pays for damage that arises from non-accident hazards like fires, theft, vandalism or severe weather.
To insure your RV, you will need many of the same types of coverage that most drivers need, such as:
You can tailor each policy limit to offer your specific vehicle optimized protection.
Additionally, do not forget to invest in other coverage to insure the unique features of the RV, such as:
Vacation liability coverage that pays you when you are parked at a campsite and someone gets hurt in or around your RV.
Trip interruption coverage to cover costs if you have a wreck that forces you to stop your travel. This coverage can pay for added living expenses incurred as a result.
Possessions coverage pays for your personal belongings within the RV when they sustain damage as a result of a wreck or other hazard.
Depending on whether you have a towable RV, motorized RV or travel trailer, your coverage needs will vary. However, your agent can gladly work with you to ensure you receive the most comprehensive protection based on the vehicle in question.
How much does RV insurance cost?
Depending on multiple risk factors, such as the value of your vehicle, your driving record, and the amount of coverage you buy, your RV insurance cost will vary.
Your Pregill Insurance agent is happy to help you not only pinpoint the most effective coverage choice for you, but also to apply discounts and recommend bundling options to help you keep your policy affordable. We know that coverage needs to be optimized both for protection and price. That is why we believe in giving every customer full, individualized service to find the perfect RV insurance solution.