RV Insurance in California

Some camping trailers and RV's are required by the state of California to have a minimum amount of insurance on them. If you live in San Jose, Westminster, Diamond Bar, CA, or other areas in California, here is some important information you may want to consider with RV insurance. You must first answer two questions so you can tell if you need insurance or if you want to purchase insurance to protect your purchase. Is your RV only towable and not driveable? Do you own the RV and do not owe anything on financing?

If you answer no to both questions, RV insurance is required. If you answer yes to both questions, RV insurance is optional.

California law states that if you can operate an RV independently without being towed, then it is a private passenger vehicle and you must have the minimum RV insurance available. To protect your investment, you should choose a plan that covers air conditioners, antennas, awnings, collisions, and breakdowns.

California Minimum Liability Insurance for RV's

• The minimum coverage you must carry on your RV insurance includes a minimum for injury or death to one person, injury or death to more than one person, and a minimum for property damages.

Optional Coverage's for RV Insurance in California

• You can also include collision coverage, comprehensive coverage, uninsured or underinsured motorist coverage, rental reimbursement coverage, towing and roadside coverage, and medical and funeral services coverage. These are the same options that you can choose to add to an auto insurance policy.

Also, you can add personal effects coverage to protect your belongings in the RV.

• RV emergency expense coverage pays for food, lodging, and alternate transportation if your RV needs servicing and you are waiting for it to be repaired.
• RV vacation liability is also called campsite liability. This protects you if anyone other than a family member is hurt at your campsite or in your RV while it is parked.
• RV Mexico coverage will cover you under the Mexican law when you travel south of the border.

All of these terms can be difficult to understand when purchasing RV insurance for the first time. We have agents at Western Insurance Marketing Corporation in Diamond Bar, CA to help you learn more about protecting your RV. Please contact us to get started on an RV insurance policy today.

Western Insurance Marketing Corporation also writes insurance for Oregon, Washington, Arizona, Colorado, Texas, Virginia, Michigan, Indiana, Montana, Nevada, and New Mexico. For more information over your states insurance laws and requirements, please reach out to our agents. We will be happy to answer any questions you may have.