Coverage for RV Drivers throughout Santa Clarita, San Fernando, the Antelope Valley and beyond

All vehicles need insurance, your recreational vehicle included. However, an RV is a lot different from a standard car. It’s important for operators to have personalized RV insurance coverage as a result. It’s there to help you when damaging accidents occur both on the road and at campsites. Wherever you go on California’s thousands of miles of scenic highways, the right policy can protect you.

Dynamite Insurance Brokerage is a full-service agency that can help all RV owners insure their vehicles with top-rated coverage in a client-focused setting. So, whether you are a first-time RV owner or a seasoned traveler, we know how to help you personalize your coverage to include all the appropriate benefits for your travel and living needs.

Call us at  or get your free quote online now! Or, if you’re curious about the perks an RV policy can offer, keep reading below.

Common RV Insurance Questions:

Why do you need RV insurance?

RV insurance can help you pay for a variety of physical damage, injuries and legal costs that might arise following wrecks, hazards like fire or theft, or even accidents at a campsite. It can ensure you don’t lose a lot of money because of a problem you didn’t expect.

Not only that, but most states also require certain RV owners to buy coverage. Since RVs are larger, heavier and often more difficult to operate, then they could do damage to anyone in their way. So, if a wreck is the RV user’s fault, then they usually must pay for others’ damage costs.

What does RV insurance cover?

RV insurance policies usually offer several types of coverage.

• Bodily injury liability insurance: If the policyholder is at fault a wreck that injures someone else who was not an RV passenger, then this coverage can pay for that party’s medical costs.
• Property damage liability insurance: When the RV hits a vehicle or object belonging to someone else, this coverage compensates that person for their property damage.
• Collision insurance: After a wreck, this coverage will pay you to help you repair the RV.
• Comprehensive insurance: This coverage will pay for RV damage from fires, severe weather, animal collisions and similar losses.
• Personal injury protection (PIP coverage): If you or your passengers get hurt in a wreck, then this coverage can pay for your medical costs and other expenses related to the injuries.
• Uninsured/underinsured motorist coverage: If an uninsured driver hits your RV, and they lack liability insurance, then this coverage can help you pay the damage costs from your own policy.

The policy can also extend protection to the RV’s unique assets, such as:

• Vacation liability coverage: When using your RV at a parking station or campsite, someone might get hurt on the property. This coverage can help you compensate that person.
• Personal effects coverage: By using this coverage, you can insure certain belongings in the RV. You therefore might avoid having to file a claim for the losses on your home insurance.
• Trip interruption & roadside assistance: If a mishap throws a wrench into your travel plans, then you might be able to recoup expenses for hotel bills and other unexpected costs. Your policy can also provide roadside assistance for issues like breakdowns.

Be sure to talk to your agent about the ways you will use your RV. If you plan to use your RV as a full-time residence, then you might need a full-timer insurance package. This coverage will amend your policy to address the specialized risks associated with living permanently in the RV.

Do I have to buy coverage?

If your RV is a motorhome, then you will have to buy the minimum amounts of insurance required of California drivers. Unlike trailer RVs that attach to a vehicle, a motorhome is both a vehicle and an RV. Therefore, their required coverage is at least:

• $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 finance your RV, then your lender will likely have to buy collision and comprehensive damage insurance.

Never buy less than the required coverage, and keep in mind that your coverage will contain coverage limits, deductibles and exclusions on the claims it will cover. Therefore, work with your agent to increase your coverage so it will always protect your investment in your RV.

How much does RV insurance cost?

Most California RV insurance policies cost between $800 - $1,000 per year. Several factors might influence your premium, including:

• The coverage limits and deductibles you choose
• The RV’s age and value
• Your credit score
• Your driving record
• Your address and location

Don’t hesitate to talk to your Dynamite Insurance agent about the best way to get an affordable policy. Not only can we search our policy offerings to find the most cost-friendly options for you, but we can also make sure you qualify for discounts and other savings options.

Insuring: Santa Clarita, Newhall, Antelope Valley, San Fernando Valley and Throughout California.