RV Insurance and Off-road Adventures Around California: Are You Covered?

California’s deserts, mountains and coastal trails draw recreational vehicle (RV) owners looking to explore beyond paved roads. Before venturing beyond established roads, it helps to understand how RV insurance applies to your rig, both on the highway and off it.

What RV Insurance May Cover

RV insurance is designed to help financially protect against various risks. Rich Toreson Insurance Agency Inc can help you build a policy that may include the following:

• Liability coverage may help cover costs if you’re responsible for injuries or property damage caused by an accident involving your RV
• Collision coverage may help cover damage to your RV after an accident, regardless of fault
• Comprehensive coverage may help cover noncollision events such as theft, vandalism or severe weather damage
• Personal property coverage may help cover belongings inside your RV, such as electronics, clothing and camping gear, if they’re damaged or stolen
• Uninsured/underinsured motorist coverage may provide financial support following an accident caused by a driver who has little or no insurance
• Emergency expense coverage may help cover costs such as lodging or transportation if your RV becomes uninhabitable while traveling
• Vacation liability coverage may help cover incidents that occur at your campsite

Understanding Coverage for Off-road Travel

Many RV owners assume their policy applies wherever they take their vehicle, but off-road and backcountry travel may fall outside a standard policy. Coverage is often built around designated roads and campgrounds, so driving on unmaintained trails, dry lakebeds or backcountry terrain may not be included. If you plan to travel off-road in California, ask your team whether your policy covers that terrain or requires an endorsement or a specialty policy.

Learn More

Contact Rich Toreson Insurance Agency Inc today to discuss your RV insurance coverage before you head off-road. Our agents are ready to answer your questions and help you build a suitable policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.