Owning an RV allows you to see the many splendors and sights America has to offer. Be prepared for whatever you encounter on the open road with an RV insurance policy from Holden Insurance. RV Insurance protects your motor home, travel trailer, camper, fifth wheel trailer, Airstream, mounted truck camper and more. Some carriers may allow an RV to be added to your auto insurance policy with a special endorsement; however, a separate RV insurance policy will provide much broader coverage. For instance, a stand-alone RV policy can offer “replacement coverage” for a totaled RV where as an auto policy will only cover the RV for “actual cash value”.
When your camper or RV is parked for an extended period of time or permanently, there is a greater risk of infestation and theft. To reduce these risks you should keep food and liquids in tightly sealed containers or out of the camper, replace mouse traps as necessary, always keep the camper locked and expensive items out of view from the outside, and have someone you trust check on it when you are not there.
Your RV insurance policy extends to the US, its Territories, and Canada. If you are planning to travel outside of this coverage area, you should look into purchasing a liability policy from a licensed insurance company in that country.
A VT RV Insurance policy is similar to an auto policy in that it provides some of the same coverage and can be tailored to include additional coverage specific to your needs, such as:
- Bodily Injury & Property Damage Liability
- Uninsured & Underinsured Motorist
- Medical Payments
- Comprehensive
- Collision
- Roadside Assistance
- Campsite & Vacation Coverage
- Personal Effects Coverage
- Full-time Residence Coverage
- Breakdown Coverage
Your RV insurance premium will depend on the type and usage of your recreational vehicle. Because incidents can still happen when you are on vacation, we invite you to consult with our personal insurance specialists about RV insurance.
