Recreational Vehicle Insurance

We love our recreational vehicles! But just because these vehicles are related to playtime, this does not mean they do not require insurance. In reality, they require a stronger insurance policy because they create a higher risk for liabilities.

Liability Insurance for Recreational Vehicles
Recreational vehicles should be covered the same as a car as it can also lead to physical injury as well as property damage to others. Liability insurance will help pay for bodily harm and damage you may inadvertently inflict. This policy could additionally help cover the price tag of green clean up if an accident triggers spillage associated with a hazardous substance or other pollutants.

Liability coverage is going to have limits that focus on both a per-policy and per-incident basis. They sometimes have a deductible which requires an out-of-pocket contribution every year or for every incident. Your Francis & Company insurance agent will help you find the best coverage at the best price!

Property Coverage
Once all potential liabilities have been considered, and the replacement cost of your vehicle has been determined, Your Francis & Company agent will help you secure coverage. Recreational vehicle coverage will typically consist of monetary compensation for physical harm, theft, vandalism, and collision. Something else to look into is whether your policy will reimburse you for personal items stored in your recreational vehicle that were lost, stolen, or damaged.


Customizable equipment such as awnings may not be covered by your regular policy so you may want to consider adding special coverage. If you live in your RV part or full time let your Francis & Company insurance agent know because you may need additional insurance.