RV insurance can protect your motor home, travel trailer, camper and even your horse trailer. Let Gaines Insurance help you select the right coverage for your RV needs and get a great price at the same time. You can even request a quote online and we'll get back to you with quotes from multiple companies so you can compare and save!

California Recreational Vehicle Insurance:

• Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage, and more. Coverage varies by state.
• You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
  • Stated Value - market value/actual cash value of the RV
  • Agreed Value – the insured amount, regardless of the current market value
  • Replacement Cost – replace your insured RV with a new RV that is most like it
• Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
• Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
• Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.
• Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
• Other additional coverage can include: accident forgiveness, pet coverage, diminishing deductible, and more.
• Discounts can lower your premium. Ask if you qualify for safe driver discounts, original owner discounts, package discounts and more.
• You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars, and boats.