Owning a recreational vehicle (RV) means embracing freedom, flexibility, and the thrill of life on the open road. Whether you’re cruising across the country or camping for a weekend getaway, your RV is more than just a vehicle—it’s your mobile home, and it needs insurance coverage that reflects its unique role in your life.
Why RV Insurance
Unlike standard auto insurance, RV insurance combines elements of both car and homeowners insurance to address the unique exposures RV owners face. Whether you travel occasionally or live on the road full-time, having the right coverage helps ensure you’re protected from the unexpected.
Key Coverages for RV Owners
- Liability Coverage
Covers you if you’re responsible for injuries or property damage to others. Given the size and weight of most RVs, accidents can result in substantial damage—this coverage helps pay for medical bills, legal fees, and repairs. - Collision Coverage
Pays for damage to your RV after an accident, regardless of fault. From fender-benders to run-ins with trees or other objects, collision coverage helps cover the cost of repairs or replacement. - Comprehensive Coverage
Protects against non-collision incidents like theft, vandalism, weather damage (such as hail or flooding), or even animal-related damage—important for RVs parked in varied locations like campgrounds or storage lots. - Personal Belongings Coverage
Safeguards the contents of your RV, including electronics, camping gear, and personal items. This is especially valuable for RVers who travel with valuable equipment or live on the road full-time. - Uninsured/Underinsured Motorist Coverage
If another driver causes an accident but lacks adequate insurance, this coverage helps ensure your RV repairs—and potentially your medical expenses—are still covered. - Vacation Liability Coverage
While your RV is parked and being used as a temporary residence, this coverage protects you from liability claims if someone is injured or if property is damaged at your site. - Full-Time RV Coverage
For those who live in their RV year-round, this extended coverage acts more like homeowners insurance, with increased liability limits, additional contents coverage, and provisions for temporary housing should your RV become uninhabitable.
Coverage That Travels With You
Your RV represents more than an asset, it’s part of your lifestyle. Like any home, it deserves insurance that’s thoughtfully designed to reflect how you use it. Whether you’re a weekend warrior or full-time adventurer, having the right RV insurance brings peace of mind on every journey.
Partner With Tooher-Ferraris Insurance Group
At Tooher-Ferraris Insurance Group, we don’t believe in one-size-fits-all policies. We specialize in tailoring RV insurance solutions that provide the protection you need on and off the road.
Let’s talk about your RV lifestyle and build a policy that moves with you. Contact us today to learn more and request a customized quote.
