Recreational Vehicle Insurance in San Mateo, California

You might think recreational vehicle insurance is only necessary while driving. However, this policy is just as important when your RV is parked or in storage, as it may cover losses due to theft, vandalism and other risks.

Is RV Insurance Required?

In California, drivers must carry proof of financial responsibility, typically in the form of insurance. Like most states, California requires minimum levels of liability coverage. Insurance is mandatory if your RV is motorized, but not for towable RVs.

For towable RVs, the liability coverage from your towing vehicle generally extends to the trailer, so separate liability insurance isn’t legally required. However, comprehensive and collision coverage are worth considering as they may help prevent costly out-of-pocket repairs.

You will also likely need RV insurance if you’re financing or leasing your RV, as lenders often require it to protect their investment.

What Does RV Insurance Cover?

RV insurance is flexible and can be tailored to your situation. Common coverage options include the following:

• Liability protection may cover property damage or bodily injuries you cause to others.

• Collision coverage may pay for your RV’s repair costs after an accident.

• Comprehensive coverage may cover noncollision incidents such as burglary, fire and theft.

• Personal belongings coverage may help replace or repair personal items inside the RV if damaged or stolen. These include small appliances, electronics and camping gear.

• Uninsured/underinsured motorist coverage may provide financial support following an accident with an at-fault driver who lacks sufficient insurance.

• Roadside assistance coverage may provide services such as towing and emergency breakdown support.

• Emergency expenses coverage may cover hotel stays and rental vehicles if your RV becomes unusable due to a covered event.

Affordable RV Insurance Near Me

Silicon Valley Risk & Insurance Services offers personalized RV insurance solutions to fit your needs and budget. Contact us today to explore your coverage options.