Recreational vehicles, or RVs, are perfect for people who want to hit the road without compromising comfort and convenience. Whether you’re planning a road trip or purchasing an RV as your primary residence, you should know the ins and outs of your insurance coverage. Then, you can safely operate your vehicle with the appropriate coverage that complies with state laws.
When searching for insurance, you might wonder if car insurance also covers a recreational vehicle. Read this quick guide to California’s RV insurance requirements to ensure you get the best coverage.
California’s RV Insurance Requirements
All Class A, B, and C motorhomes that can move independently are legally required to have the same insurance coverage as regular vehicles. RV’s are legally required to have the following liability coverage:
- $10,000 property damage per accident
- $15,000 bodily injury per accident
- $30,000 total bodily injury per accident
However, you're not required to purchase liability insurance if you own a trailer or a pop-up that doesn’t move under its own power. The vehicle that tows the trailer must have liability insurance to cover both the trailer and the primary vehicle.
Motorized RVs and motorhomes are divided into three classes: Class A (largest), Class B (smallest), and Class C (mid-size). Your preferences will factor in the RV’s size and model. The bigger your recreational vehicle, the more of a liability you are on the road.
If you want to purchase RV insurance, the following are included in your coverage:
- Liability insurance
- Bodily injury liability
- Property damage
- Collision and comprehensive insurance
- Uninsured/underinsured insurance
- Vacation coverage
- Full-time residence insurance
Additional coverages include roadside assistance, rental car insurance, and emergency protection. With these additions, you’re always covered, no matter the scenario.
What If I Live in My RV?
Full-time RV insurance differs slightly from standard auto and RV insurance, so make sure your insurance agents know you live in your RV when creating a coverage plan. Full-time RV insurance includes the following:
- Medical payments
- Personal liability insurance
- Loss assessment coverage
Car insurance coverage for recreational vehicles depends on the type of vehicle and your personal needs. If you have a non-motorized trailer, your auto insurance will cover it. However, you must obtain special insurance if you have a motorized recreational vehicle. Our talented car insurance agents in Long Beach, California can help you create a comprehensive plan. Saferoad Insurance offers affordable insurance for California residents. Contact us today for a free quote!