Recreational Vehicle Insurance

Standard auto insurance does not adequately cover the risks of owning a recreational vehicle (RV), which is why a dedicated RV policy matters. Arches Insurance is here to help you find the right policy at a competitive price.

What Does a Policy Cover?

A typical RV policy can offer the following:

• Collision coverage for damage caused by hitting an object or another vehicle, regardless of fault
• Comprehensive coverage for damage caused by fires, natural disasters, theft or vandalism
• Liability coverage if you cause bodily injuries or property damage to someone else while operating your RV
• Uninsured/underinsured motorist coverage for your losses if you’re hit by an at-fault motorist with no or insufficient coverage
• Personal belongings coverage for items inside your RV, such as clothing, electronics and camping gear
• Emergency expense coverage for lodging or transportation if your RV becomes uninhabitable during a trip
• Total loss replacement for newer units, which may cover the cost of a comparable replacement rather than the depreciated value

Full-timer coverage may also be available for those who use their RV as a primary residence.

What Factors Influence the Cost of a Policy?

Premiums may vary based on a combination of factors. The type and size of your RV carry significant weight, as motorhomes can be priced differently from towable units. Additional factors may include your driving history, how often and how far you travel, where you store the RV when not in use and whether you regularly carry passengers.

Choosing higher deductibles or adjusting coverage limits may also affect your premium.

Why Choose Arches Insurance?

Getting the right balance of coverage and cost can be easier with guidance from our agents who know the local market. Contact Arches Insurance to talk through your options and request a quote.