Whether you own a fifth wheel or a pop-up camper, Insuring your recreational vehicle is always a smart move. But is RV insurance required in California?
What Is a Recreational Vehicle?
A recreational vehicle, or RV for short, is a vehicle that includes living quarters. Some common examples of RVs include motorhomes, campervans, and truck campers.
There are two basic types of RVs: motorized and towable.
As the name suggests, drivable RVs can be driven: they have their own motor and steering system.
Towable RVs, on the other hand, lack an engine and are towed by another vehicle, such as a pickup or van.
Is RV Insurance Required in California?
Now we get to the main question behind this article. Is RV insurance required in California?
The answer depends on the type of RV you own.
If your RV is towable, then you are not required to cover it with an insurance policy, although you may choose to do so by purchasing an endorsement to your vehicle’s policy.
As for motorized RVs, they are held to the same insurance requirements as other vehicles in California, meaning you should make sure to carry at least:
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
- $5,000 for damage to property.
Remember that these are minimum requirements. As with any other vehicle, it’s always advisable to purchase insurance with limits that are higher than the minimum mandated by your state.
How to Save on RV Insurance?
If you have determined that you need RV insurance, here are some tips to help you save on your premiums:
- Store your RV in a secure facility.
- Ask your insurance agent about multi-policy discounts.
- Maintain a good driving record.
- If you drive your RV only occasionally, you are exposed to less risks, which may qualify you for a lower rate.
If you are interested in learning more about RV insurance, or any other type of insurance, contact the experts at Delgado’s Insurance. We’ll be glad to answer all your questions and help you make a more informed insurance decision.
Delgado’s Insurance: RV Insurance in California
Looking for RV insurance in California? contact the experts at Delgado’s Insurance.
We have locations in Riverside, California, and Bloomington, California. Get in touch today by telephone (951-361-0084, 909-421-9003), email (firstname.lastname@example.org), or through our social media accounts (Facebook, Twitter) to get a free quote and learn more about our full range insurance and tax services.