Recreational Vehicle (RV) Insurance

RV insurance from UCCU Insurance Services offers comprehensive protection tailored to the unique needs of recreational vehicles. Unlike standard auto insurance, RV insurance can cover:

• Your RV’s living quarters and personal belongings
• Specialized equipment like awnings and satellite dishes
• Emergency expenses for lodging if your RV is damaged during a trip
• Vacation liability for accidents at your campsite
• Full-timer’s coverage if your RV is your primary residence Our policies can be customized to cover motorhomes, travel trailers, campers, and other types of RVs. The exact coverage depends on your policy, but it generally includes collision, comprehensive, liability, and additional protections specific to RV living and travel.

The cost of RV insurance varies widely depending on several factors. On average, travel trailer insurance might cost $200-$1000 annually, while motorhome insurance could range from $1000-$4000 or more per year. Factors affecting your RV insurance cost include:

• Type and value of your RV (motorhome, travel trailer, camper, etc.)
• Age and condition of the RV
• How often and where you use it
• Your driving history and experience
• Coverage limits and deductibles you choose
• Whether you live in your RV full-time or use it seasonally At UCCU Insurance Services, we work to find you the best RV insurance quotes that balance comprehensive coverage with affordable rates.

While your auto insurance may provide some limited coverage for your camper trailer while it’s being towed, it typically doesn’t offer comprehensive protection. Dedicated camper trailer insurance or travel trailer insurance is recommended to fully protect your investment. This specialized insurance covers:

• Damage to your trailer when not attached to your vehicle
• Personal belongings inside the trailer
• Liability for accidents that occur while the trailer is parked
• Specific trailer equipment like awnings or slide-outs At UCCU Insurance Services, we offer tailored camper insurance and trailer insurance policies to ensure you’re fully protected whether you’re on the road or at the campsite.

The best RV insurance is one that provides comprehensive coverage tailored to your specific needs at an affordable price. At UCCU Insurance Services, we help you find the ideal balance of protection and cost. To find affordable RV insurance:

1. Compare quotes from multiple insurers (we do this for you)
2. Bundle your RV insurance with other policies for potential discounts
3. Choose appropriate coverage based on how often you use your RV
4. Consider a higher deductible to lower your premium
5. Ask about discounts for safety features, claim-free history, or RV association memberships
6. Consider storage or lay-up insurance for periods when your RV isn’t in use Our insurance experts can guide you through these options to find the most cost-effective recreational vehicle insurance that still provides robust protection for your home on wheels.