Get A Quote Now: RV Insurance Coverage in San Diego & California

H&M can ensure the safety of you and your camper by offering comprehensive coverages with rich features for every type of recreational vehicle, including state-of-the-art Class A motorhomes, pop-up campers, travel trailers, B-vans, Class C RVs, toy haulers, fifth wheels, and other types of mobile homes. If an accident occurs, such as property damage, theft, bodily injury, or vandalism, you can rest assured your vehicle and the passengers are well protected.

With over 50 years of combined experience and collaboration with notable national suppliers like Safeco, Nationwide, The Hartford, and Progressive, we have the expertise and tools to find the most comprehensive coverage for your needs. By shopping from multiple carriers, we can get you the policy you need at a rate that fits both your preferred budget and your RV lifestyle. Over the years, we have honed our skills and promoted a highly personalized client approach. Today, we are a respectable insurance agency in San Diego, known for low rates and smooth claim handling. To find an RV coverage that works best for you, contact our agents today at (619) 296-0005 or fill out a short online form.

What Is RV Insurance?

Although RV insurance concept may seem similar to auto insurance at first glance, there are a lot of differences between the two. RVs, campers, and trailers need custom-tailored policies that will offer the same benefits as car insurance but with expanded coverage based on unique risks recreational vehicles are facing.

If you are involved in an accident, RV policy can help cover the costs of body injury or property damage costs. When choosing the coverage for travel trailers, it is important to decide what liability limits you feel most comfortable with. It is recommended that the liability limits be determined based on your needs and requirements so that you can get maximum protection.

There are two types of coverages for homes-on-wheels:

• Motorhomes (motorized RVs) coverage – Motorhomes are large, motorized vehicles that do not have to be towed. They are built on a long-wheelbase and are self-propelled. The three main types of drivable RVs are Class A RVs (bus shaped motorhomes), Class B RVs (camper vans), and Class C RVs (mini motorhomes).
• Towable RVs coverage – Towable Recreational vehicles are those that cannot be driven and must be towed, such as pop-up campers, travel trailers, 5th-wheel home trailers, truck campers, and so on.

What Is Covered?

Regardless of the type of recreational vehicle you own, RV insurance serves to protect the passengers and the vehicle if involved in accidents. In addition, you can also obtain coverage for your personal belongings inside the vehicle, liability coverage, medical coverage, emergency expenses, and so on. The coverage will depend on the type of policy you purchase. Available coverages include:

• Bodily injury you cause to someone else while driving your RV
• Bodily injury to yourself due to accident with UIM (uninsured motor vehicle)
• Motorhome damage caused by accident
• Vandalism, theft, or fire while your RV is stored
• Emergency road assistance

Standard RV Insurance Coverage

There are a few coverages designed to address potential risks and losses that RV owners may encounter. Below, you can find more information on the standard RV insurance types.

Medical payments

This type of coverage aids in paying medical expenses for you and your passengers as a result of accident your motorhome, regardless of fault status. For instance, if your passenger is injured while travelling in your motorhome, this type of coverage will settle hospital bills, even if you caused the accident. It is important to note that medical payments coverage doesn’t apply to travel trailers (towable RVs). Medical payments coverage is recommended for: all types of RVs.

Uninsured motorist coverage & underinsured motorist coverage (UM/UIM)

UM/UIM policies are designed to protect you if you get hit by a motorist who either has no insurance at all (Uninsured motorist coverage) or a motorist who does not have enough coverage (underinsured motorist coverage).  UM/UIM can cover expenses for RV damage, medical bills, or lost wages, up to your policy limits. Note that about half the states require you to obtain at least one of these policies. UM/UIM coverage is recommended for: all types of campers.

Most states require you to purchase a policy that includes liability insurance at minimum. RV insurance is especially recommended for full-time drivers. Since they spend most of the time in their RV, they are more likely to suffer an accident than the part-timers.

There are certain circumstances where you are obliged to purchase an RV policy:

• Your RV is your permanent residence – If you live in your RV, you must buy this policy.
• You need financing for your RV – Typically, the lenders will require you to buy insurance policy because they want to protect their investment.
• You own a rental RV – Check with your rental dealer whether this policy is already included.

In some states you can choose whether you want to purchase the policy or not, providing you own:

• A towable RV
• A camper without any financing and use it for towing only

If you are unsure whether to purchase a policy or not, contact our insurance agent.

How Much Does It Cost

The exact cost of camper insurance depends on several important factors that have to be taken into consideration, which include:

• Motorhome class – The type of vehicle determines the price. Larger vehicles that require more maintenance will have higher insurance premiums than lower class motorhomes. Average annual price for campers starts at $250, while class A motorhome’s premium is approximately $2,500 a year. Speak to an experienced insurance specialist to help you with correct pricing.
• Usage – If used as a permanent place of residence, the cost will be higher as it will include coverage for both the engine and personal property.
• Driving record – Similar to auto insurance, your driving record (driving history, past claims, and accidents) determine how high your premium will be. Clean driving record typically means significant discounts.
• RV driving experience – Experienced RV drivers typically have lower premiums.
• Deductibles – Another important aspect that determines the price are deductibles and how much you will pay before the policy is activated. When deciding on deductibles, it is best to find the right balance so that you avoid paying too much for either the policy or the deductibles.
• Additional Coverages – Optional coverages also impact the total price. Speak to your insurance agent to see which coverages are necessary and which might not be needed, based on your particular needs.
• Age, Marital status, & Insurance credit score – These are additional factors that can also influence the final rate.

How Can I Lower the Price On RV Insurance Policy?

There are a few ways to possibly lower the cost of RV insurance rate:

• Multi-policy holders – When you bundle your RV insurance, you usually get a discount. The more policies you hold, the more discounts you will get to enjoy.
• Full payment – Upfront payment in full typically means discounted rates.
• Paying on time – This is the easiest way of earning discounted prices.
• Quote in advance – Some suppliers offer lower rates for quoting in advance.
• Original owners – If you are an original owner and also carry RV comprehensive and collision coverage, you can get rate reduction.
• Responsible driver – Some insurers mark down premium rates for RV drivers that had no accidents in the past three years.
• Claims free record – If you haven’t had any claims, you can receive an automatic discount upon policy renewal.
• Paperless documentation – Going paperless can also mean lower premium rates with some suppliers.

Frequently Asked Questions