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Recreational Vehicle Insurance in Sanger, CA

Recreational Vehicle Insurance in Sanger, CA

How Does RV Insurance Work?

Recreational vehicles (RVs) offer a unique blend of transportation and lodging, making them a popular choice for travel enthusiasts. RV insurance is coverage specifically designed for recreational vehicles, including motorhomes, campers, travel trailers and fifth wheels. It may help provide financial protection against accidents, damages and liability related to your RV.

Academy West Insurance, with several locations across California, can help you learn more about your RV insurance options.

What Makes Recreational Vehicle Coverage Different Than Automobile Coverage?

Car insurance typically covers your vehicle used for commuting, errands and personal use. RV insurance can provide broader protection for vehicles serving as temporary homes and transportation.

However, RV insurance may generally have similar protections as car insurance. For instance, RV insurance can protect against physical damage to the vehicle, liability risks and medical payments. One of the most significant differences between auto and RV policies is that RV insurance typically has higher coverage limits since RVs can be more expensive than typical cars.

There are also several coverage options unique to RV insurance, including the following:

  • Full-time RV insurance is for people who use their RV as a permanent residence. This means living in a motorhome or travel trailer for at least six months out of the year.
  • Part-time RV insurance, also known as recreational RV insurance, is suitable for those who don’t use their RV as a permanent home. It may help cover short trips and vacations.
  • Vacation liability coverage may help provide financial protection against third-party injuries and damages in or around your RV during short trips.

Your agent may recommend enhancing your coverage by adding specific endorsements to help cover your risks and liabilities.

What Type of Insurance Does an RV Need?

If your RV can be driven, you’re likely required to buy liability insurance in most states, including California.

If you tow your RV behind your car using a camper or trailer, your car insurance policy may provide coverage. However, consider separate RV insurance for better protection. Your insurance agent can help assess your RV and make coverage recommendations.

Contact Us

Contact Academy West Insurance, serving Fresno, Sanger, Hanford, Lindsey, Farmersville and Selma, California, to get an RV insurance quote.


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