You cannot get RV insurance through your car insurance company. Most car insurance companies do not offer RV insurance, so you need to look for a specialized RV insurer. Fortunately, many companies offer RV insurance, and most of them provide quotes online, making the process convenient for you. Give us a call at Parr Insurance Services in Lynchburg, VA to get started. 

What to Know About RV Insurance & Policies 

If you own an RV and want to purchase insurance, you will likely need to work with a company specializing in RV coverage. Many RV insurers offer a variety of policies to accommodate different types of RV owners, including those who park their RV in their driveway or use their RV to generate income by renting it out on Airbnb or VRBO. 

RV insurance typically falls into one of two categories: liability or physical damage. Liability coverage comes into play if you are ever at fault in an accident, and it covers things like medical bills for others and legal costs. Physical damage coverage includes both collision and non-collision policies and covers repairs to your RV if it is stolen, damaged, or vandalized. 

Like cars, each RV company has its policy and rates. You can compare RV insurance quotes online to find the best deal. Most RV insurance companies require you to purchase a policy within a specified period after purchase. The length of time depends on the company. Most RV insurance policies do not offer full coverage from the moment you purchase your RV. You will need to buy a "progressive" policy to receive full coverage. 

As with standard auto insurance, you will want to shop around and compare policy offerings to find the best RV insurance policy for your needs. RV insurance costs more than regular car insurance, as these vehicles tend to be riskier to insure than standard passenger cars. You may need to take a driver education course, have a certain profile (such as no DUIs or citations), or have certain types of other insurance to be eligible for RV insurance coverage.

Contact Us Today

Unfortunately, most standard auto insurance policies do not cover RVs as they are not officially recognized as " autos." When it comes to insuring your RV, there are two major options: getting an RV policy (often referred to as "coverage") or endorsement (often referred to as "guidelines"). RV policies are usually more expensive than endorsement but may offer better coverage. For assistance, give us a call at Parr Insurance Services in Lynchburg, VA today.