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RV Insurance

from Hometown Insurance Agency of Utah

RV Insurance

Whether you use your recreational vehicle for a few weeks each summer, as a winter snowbird getaway vehicle, or as a full-time home, you need RV insurance. As independent insurance agents in Logan, we can help you find the perfect RV insurance coverage for your needs.

There are numerous factors that affect what type of RV insurance policy is right for you. We’ll ask you:

  • Do you use your RV as a vacation vehicle or do you live in it as your primary residence?
  • What is the make, model, age, and value of your RV? Are you the original owner of the RV?
  • Who will be driving your RV? What are their driving records like?
  • Where will you be vacationing or traveling?
  • Do you plan to take your recreational vehicle south of the border to Mexico?
  • Do you tow anything else with your RV?
  • What state do you live in and where is your RV parked or garaged when not in use?
  • What valuables or property do you keep in your RV that may require extra coverage, such as jewelry or electronics?
  • Do you have a roadside assistance plan when you take your RV on the road?
  • Do you travel with pets in your RV?
  • Do you have any other insurance policies with us or policies that you would like to combine with your RV insurance policy?

We make these inquiries to be sure we give you the lowest possible cost on your RV insurance while still covering everything you need to stay protected. For example, if your RV is your primary or even sole residence, we want to cover it more like a home but also make sure the vehicular aspects are protected. This coverage might include more extensive insurance of belongings inside your RV and liability insurance in the event someone becomes injured in your RV, such as by falling on the stairs.

If you’re like most people who only use their RV part-time, we can find policies that match your usage so you’re not paying for coverage you don’t need. Did you know that if you stop driving and use your RV as your temporary residence, you may be able to switch to vacation liability insurance to save money?

Other ways to lower your RV insurance expenses include safe driver discounts, diminishing deductible programs, original owner discounts, and bundling your insurance with one company, such as insuring your RV, boat, off-road vehicles, and car together.

We offer policies that cover the following:

  • Liability coverage for property damage, bodily injury, medical payments, and coverage for uninsured parties
  • The above mentioned vacation liability coverage
  • Personal effects coverage that protects your belongings normally used with your RV
  • Roadside assistance for breakdowns and accidents, including meals, lodging, and alternative transportation if needed
  • Pet coverage
  • Accident forgiveness so your rates don’t go up in the event of an accident and subsequent claim

Contact Hometown Insurance Agency of Utah at 435-754-7701 today to find out how you can get the ideal insurance for your recreational vehicle. We’ll build the RV policy you need for your personal requirements and get you on the road to fun in no time.