Your Home on Wheels: The Ultimate Guide to RV Insurance
Request a QuoteWhether you’re chasing sunsets across the country or setting up for a weekend getaway, your RV is more than just a vehicle—it’s your home on wheels. And just like any home or vehicle, it needs the right protection. At Berry Curtis Insurance Agency, we understand the joy, freedom, and peace of mind that comes with exploring the open road—especially when you’re covered with the right RV insurance.
Why RV Insurance Matters
Your RV is a big investment. Whether it’s a sleek Class A motorhome or a cozy travel trailer, having insurance is more than a legal requirement—it’s your safety net. RV insurance helps cover repairs, protects your belongings, provides liability coverage, and even pays for lodging if your trip gets unexpectedly interrupted.
What Does RV Insurance Cover?
Comprehensive RV insurance includes more than just collision coverage. You’ll have protection for things like roadside assistance, full-timer’s liability (if your RV is your primary residence), vacation liability, and personal effects replacement. Our customizable policies mean you only pay for what you need—no more, no less.
Types of RVs We Cover
We cover a wide range of recreational vehicles. Whether you own a motorhome (Class A, B, or C), fifth-wheel trailer, pop-up camper, or travel trailer, Berry Curtis Insurance Agency has a plan for you. We also insure camper vans and converted buses, so you’re never left behind.
Real Benefits That Go the Distance
With Berry Curtis Insurance Agency, you’re not just getting a policy—you’re gaining a partner for your travels. Our RV insurance plans are designed for real life, and real road warriors. Here are a few ways we help:
- Emergency Expense Coverage: Pays for lodging and transportation if your RV breaks down far from home.
- Personal Property Protection: Covers belongings inside your RV, like electronics, kitchenware, and camping gear.
- Full Replacement Cost: New-for-old replacement if your RV is totaled in the first few years (depending on policy).
- 24/7 Roadside Assistance: Flat tire? Dead battery? We’re just a call away.
RV Insurance Coverage Comparison
| Coverage | Standard Auto Policy | Specialized RV Policy |
|---|---|---|
| Collision & Liability | ✔️ | ✔️ |
| Personal Belongings | ❌ | ✔️ |
| Vacation Liability | ❌ | ✔️ |
| Full-Time Living Coverage | ❌ | ✔️ |
| Emergency Expense Allowance | ❌ | ✔️ |
Who Needs RV Insurance?
If your RV has a motor and is driven on public roads, most states legally require you to carry at least liability insurance. But even if your RV is towed and not motorized, insurance still makes sense. Accidents, weather events, and theft can all lead to expensive losses. RV insurance protects your finances and ensures your trips stay about adventure—not stress.
Did you know? According to industry data, the average cost of an RV repair after an accident is over $3,000. And replacing stolen contents can easily exceed $5,000. Having the right RV coverage helps you avoid unexpected costs that could derail your plans.
Tips to Save on RV Insurance
Everyone loves a good road trip bargain, and insurance is no different. Here are a few tips that can help you save:
- Bundle Your Policies: Combine your RV insurance with auto, home, or umbrella policies.
- Take a Safety Course: Many providers offer discounts for completing RV safety training.
- Ask About Storage Discounts: If you store your RV during part of the year, you might qualify for lower rates.
- Increase Your Deductible: Choosing a higher deductible can reduce your premium.
We're with You Wherever You Go
When you hit the road, you want to feel confident. You want to know that someone’s got your back, no matter what detour or pothole comes your way. At Berry Curtis Insurance Agency, we’re not just selling a policy—we’re offering peace of mind. Whether you’re a weekend camper or a full-time RVer, we’ve got the coverage and care you deserve.
Let’s talk about how we can protect your RV lifestyle. Call us today at 530-223-0637 or click below to start your quote. We’ll help you get back to doing what you love: seeing the world, one mile at a time.
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