Recreational Vehicle Insurance

Recreational vehicles (RVs) offer freedom and adventure—but they also come with risks. From accidents to theft, unexpected events can disrupt your journey. Whether cruising the open road in a motorhome or towing a travel trailer, having the right insurance coverage is crucial.

That’s where RV insurance steps in. It can provide financial protection for your home on wheels, personal belongings and liability. HIS Insurance & Services in Winchester, Virginia, offers tailored RV insurance solutions to meet your needs. With our expertise and commitment to exceptional service, we can help ensure you have the right coverage for your RV adventures.

What Does RV Insurance Cover?

RV insurance typically includes several types of coverage to protect you and your vehicle in various situations. Here are some standard coverage options:

• Liability coverage—Required by law, this can cover injuries or property damage you cause while driving your RV. If you tow a travel trailer, ensure your towing vehicle has liability coverage.
• Comprehensive coverage—Also known as “other than collision,” it can protect against non-collision damage such as vandalism, theft, fire, storms, falling objects and more.
• Collision coverage—This can help repair or replace your RV after an accident, regardless of fault.
• Uninsured/Underinsured motorist (UM/UIM)—This may cover injuries and damage if you’re hit by an uninsured or underinsured driver.
• Medical payments—This may cover medical bills for you and your passengers, regardless of fault.

How Much Does RV Insurance Cost?

The cost of RV insurance can vary significantly based on factors such as the type of RV, its value, your driving history and the coverage options you choose. Full coverage policies with higher limits and additional protections can yield greater financial protection, albeit at higher premiums.

Where Can I Get RV Insurance?

The risks of RV ownership, such as accidents, theft and natural disasters, make having robust insurance coverage essential. HIS Insurance & Services understands these risks and is committed to getting the best coverage tailored to your needs. Contact us today to request a free quote.