Whether you’re camping in the Los Padres National Forest or you’re heading to the Ponderosa RV Resort, when you’re on the road in your RV, you’ve got the freedom to relax, to travel, and to take your life with you wherever you go. It doesn’t matter if it’s your weekend getaway or your home on wheels. You’ve had the open road under you and there’s no going back.
Make sure to protect yourself, your family, and your RV with a quality California RV insurance policy. At IBW, we’ll help you select the coverage you need for your specific RV and for the fun you have with it.
No matter what kind of RV you drive or pull, you can find an insurance policy to cover you.
The restrictions and requirements may vary depending on your RV.
The best of the most basic type of coverage for your RV is full coverage. This means your insurance covers you no matter who’s at fault in the event of an accident. With full coverage, you’ll have the following types of insurance protection.
Collision Coverage: If you get into an accident with another vehicle on the road, a tree, or a pole, you’re covered.
Comprehensive Coverage: If suffer other damage like theft, fire, or vandalism, you’re covered.
Bodily Injury Liability: If someone is hurt in an accident you cause, their medical expenses are paid up to your policy limits.
Property Damage Liability: If someone’s vehicle is damaged in an accident you cause, their damage is covered up to your policy limits.
It sounds like auto insurance, and in a sense, it is. But RVs aren’t the same as cars, trucks, or SUVs. They have different hazards and different needs. While full coverage offers a good amount of protection, there are additional coverage options you should consider for your RV.
Total Loss Replacement: For new RVs (five years or less), you can receive the full replacement value and for used RVs (five years or more), you get your purchase price back.
Personal Effects Replacement: Replace your belongings if you lose everything in a covered loss.
Vacation Liability: You’re covered when your RV is parked at a campsite.
Medical Payments Coverage: Medical costs are covered, no matter who’s at fault in an accident.
Emergency Expenses: Your lodging and living expenses will be paid if your RV is damaged or destroyed by a covered loss.
Full-Timers Coverage: If you live in your RV as a primary residence, this protects you like a homeowner’s insurance policy would.
Roadside Assistance: Your RV will be towed if it breaks down, whether in an accident or for some other reason.
Out on the road, all you should worry about is the highway in front of you and the fun you’ll have when you arrive. What you don’t need to worry about is what you’ll do if you’re in an accident. Let IBW take away that worry and find the best insurance coverage for your RV lifestyle. Contact us today!