RV Insurance in California
Cover your recreational vehicles on road with Number 1
Insurance.
You may be planning to hit the road in your recreational vehicle and explore the beautiful state of California. However, it’s essential to ensure you have adequate insurance coverage to protect yourself and your beloved vehicle. At Number 1 Insurance, we understand the unique insurance needs of RV owners and offer comprehensive policies to ensure your peace of mind on the road.
Most motorhome owners seek to protect their investments by purchasing adequate motorhome insurance. This type of insurance provides coverage for damage sustained while driving, as well as protection from loss or damage incurred while the motorhome is parked, vandalised or damaged by Mother Nature. You may wish to purchase additional types of coverage, such as contents insurance, roadside assistance or full replacement value coverage, especially if your RV is new or heavily loaded with furnishings.
Basic California RV Insurance Coverages
In California, RV insurance policies typically offer the following coverage options:
- Liability coverage: This covers the cost of damages or injuries you may cause to others in an accident while driving your RV.
- Collision coverage: This covers the cost of repairing or replacing your RV if it’s damaged in a collision, regardless of who’s at fault.
- Comprehensive coverage: This covers non-collision incidents such as theft, fire, or weather damage to your RV.
- Uninsured or underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who doesn’t have enough insurance to cover the damages.
- Personal injury protection (PIP): This covers medical expenses for you and your passengers if you’re injured in an accident.
Why Choose the Best RV Insurance & Motorhome Insurance Coverage
If you own a motorhome or travel trailer, having the right insurance protects more than just the vehicle — it safeguards your lifestyle. A top-tier motorhome insurance policy can cover damage not just from collisions, but also fire, theft, or weather events.
Good RV insurance also covers what happens when things go wrong on the road. That can mean coverage for accidents that cause damage to other people or property, emergency towing if you break down, and even protection for personal belongings stored inside the RV while you travel or stay parked.
What Impacts the Cost of RV Insurance?
The cost of insurance in California varies based on several factors, including:
- The type and age of your RV
- Your driving history and experience
- The level of coverage you choose
- The deductible you select
- The frequency and distance of your RV trips
- Your location and storage of the RV when not in use
It’s essential to shop around and compare quotes from multiple insurance providers to find the best coverage at the most affordable price.
Getting an accurate rv insurance quote depends a lot on where the RV is stored when not in use. If it’s parked in a secure garage or locked facility, insurers often charge less because the theft or vandalism risk lowers.
Also, the size, value and age of your motorhome directly influence premiums — bigger or newer RVs cost more to insure because repair or replacement costs tend to be higher.
Don’t hit the road without proper RV insurance coverage. Contact Number 1 Insurance today to get comprehensive RV insurance quotes!