Recreational Vehicle Insurance in Providence, RI
Owning an RV can be enjoyable year-round, but costs don’t stop at the purchase price. Fuel, maintenance, storage fees and the potential for an accident or theft factor into the true expense of RV ownership. Having the right insurance coverage can help keep those unexpected costs manageable.
What’s Included in an RV Insurance Policy?
A well-structured RV policy typically includes:
- Collision and comprehensive coverage—May help cover physical damage to the RV
- Liability coverage—May help cover bodily injury or property damage to others
- Personal belongings coverage—May help cover items stored inside the vehicle
- Full-timer coverage—May help cover an RV that serves as a primary residence
- Vacation liability coverage—May help cover incidents when the RV is parked at a campsite
- Emergency roadside assistance and towing coverage—May help cover the cost of breakdown or towing services while traveling
Coverage options and limits vary by policy, so reviewing your needs with our team can help you avoid gaps.
Is an RV Included Under Your Auto Policy?
A standard personal auto policy typically does not extend meaningful coverage to a recreational vehicle. You may have limited liability coverage while towing a trailer, but collision, comprehensive and personal property coverage for the RV itself requires a separate policy.
What Counts as a Recreational Vehicle?
The RV category covers a wide range of vehicles. Class A, B and C motorhomes, travel trailers, fifth-wheel trailers, pop-up campers and truck campers all qualify. Coverage needs differ based on whether the unit is motorized or towed.
Get a Quote
Lefebvre Insurance Agency, Inc. can help you understand your coverage options and tailor a policy to your home on the road. Contact us today to get a personalized quote.