What Is RV Insurance?

RV insurance is specialized coverage designed to protect recreational vehicles—including motorhomes, campers, travel trailers, and fifth wheels. Unlike standard auto insurance, RV insurance addresses the unique risks that come with owning a vehicle that doubles as living space. Whether you use your RV for weekend getaways or full-time living, the right policy protects both your investment and your liability on the road. FOCO Insurance Services helps San Bernardino families find comprehensive RV coverage from trusted California carriers.

Most RV policies combine elements of auto and homeowners insurance. You get liability protection for accidents you cause, plus coverage for your RV itself and the personal belongings inside. The specific coverage you need depends on your RV type—a Class A motorhome requires different protection than a pop-up camper. Your policy should reflect how you use your RV, where you store it, and whether it's your primary residence or a recreational vehicle.

California law requires liability coverage if you drive your RV on public roads, but that's just the starting point. Comprehensive RV insurance protects you from theft, weather damage, and the unique risks that come with traveling and camping across the state and beyond.

What Does RV Insurance Cover?

A comprehensive RV insurance policy includes several types of coverage designed to protect you, your passengers, and your investment. The right combination depends on your RV type, how often you use it, and whether you live in it full-time.

Liability Coverage

Liability coverage pays for injuries and property damage you cause to others in an accident. This includes bodily injury liability and property damage liability. If you're at fault in a collision, your liability coverage handles the other party's medical bills, vehicle repairs, and legal fees if you're sued. California requires minimum liability limits, but most RV owners carry higher limits because motorhomes can cause significant damage in accidents.

Collision and Comprehensive Coverage

Collision coverage pays to repair or replace your RV after an accident, regardless of who's at fault. Comprehensive coverage handles non-collision damage—think theft, vandalism, fire, hail, falling objects, or hitting an animal. These coverages are especially important for expensive motorhomes and travel trailers. Your deductible affects your premium, so you'll want to choose an amount you can comfortably pay out of pocket.

Personal Belongings Coverage

Your RV likely contains clothing, electronics, camping gear, and other personal items. Personal belongings coverage protects these items if they're stolen or damaged. This works similarly to the personal property coverage in a homeowners policy, but it's specifically designed for the contents of your RV.

Attached Accessories Coverage

Awnings, satellite dishes, bike racks, and other permanently attached accessories may need separate coverage. This protection ensures you can replace or repair these add-ons if they're damaged.

Roadside Assistance and Towing

Breaking down in a 30-foot motorhome is different from getting a flat tire in your sedan. RV roadside assistance provides towing to the nearest qualified repair facility, along with services like fuel delivery, lockout assistance, and tire changes. Some policies also cover accommodations if your RV becomes uninhabitable while traveling.

Full-Timer Coverage

If you live in your RV full-time, you need full-timer coverage that functions like a homeowners policy. This extends your liability protection and personal property limits to match the fact that your RV is your primary residence, not just a recreational vehicle.

How Much Does RV Insurance Cost?

RV insurance premiums vary widely based on several factors. Understanding what influences your rate helps you make informed decisions about your coverage and potentially reduce your costs.

The type and value of your RV significantly impact your premium. A luxury Class A motorhome costs more to insure than a lightweight travel trailer. Newer RVs with higher values require higher coverage limits, which increases premiums. The age and condition of your RV also matter—older units may be cheaper to insure but could have limited coverage options.

How you use your RV affects your rate. Full-time RV living requires more comprehensive coverage and typically costs more than insuring a recreational vehicle you use occasionally. Insurance companies consider how many miles you drive annually, where you travel, and whether you rent out your RV when you're not using it. Keeping your RV in secure storage when not in use can help lower your premium compared to street parking.

Your driving record plays a major role in determining your RV insurance cost. Clean driving records with no accidents or violations qualify for better rates. Your age and driving experience matter too—experienced drivers typically pay less than newer drivers. If multiple people drive your RV, the insurance company considers everyone's driving history.

Coverage choices directly impact your premium. Higher liability limits, lower deductibles, and additional coverages like roadside assistance increase your cost. However, you can potentially reduce your premium by bundling your RV insurance with other policies, taking advantage of safety feature discounts, completing RV safety courses, or choosing a higher deductible that you're comfortable paying.

Location matters for RV insurance rates. San Bernardino and Inland Empire residents face different risk factors than RV owners in other parts of California. Your storage location, local weather patterns, and theft rates in your area all influence your premium.

Do I Need RV Insurance?

If you drive your RV on California roads, you need at least liability insurance—it's the law. But determining the right amount and type of coverage depends on your specific situation. Most RV owners need more than just the minimum liability coverage to properly protect themselves.

You definitely need comprehensive RV insurance if you're financing your motorhome or travel trailer. Lenders require collision and comprehensive coverage to protect their investment until you pay off the loan. Even after you own your RV outright, these coverages make financial sense if you couldn't afford to replace your RV out of pocket after a total loss.

Full-time RV living requires specialized coverage that standard recreational vehicle policies don't provide. If your RV is your primary residence, you need full-timer coverage that includes liability protection similar to homeowners insurance, extended personal property coverage, and loss of use benefits if your home becomes uninhabitable.

Consider your financial situation when deciding on coverage. If your RV represents a significant investment, comprehensive coverage protects you from major financial loss. Think about what would happen if your motorhome was totaled in an accident, stolen from storage, or damaged in a wildfire. Could you replace it without insurance? For most people, the answer is no.

Even if you only use your RV occasionally, you face risks every time you hit the road. Accidents happen, and the liability from a serious collision involving a large motorhome can be financially devastating. Medical bills, property damage, and legal fees add up quickly. Adequate liability coverage protects your assets and your future.

How to Get RV Insurance in San Bernardino

Getting RV insurance in San Bernardino starts with understanding California's requirements and your own coverage needs. The state requires liability insurance with minimum limits, but most RV owners need more protection than these minimums provide. Working with a local independent agent helps you compare options from multiple carriers to find the best coverage for your situation.

Start by gathering information about your RV. You'll need the make, model, year, vehicle identification number (VIN), and current value. Know how you use your RV—full-time living, weekend camping, or seasonal travel. This information helps insurance companies provide accurate quotes. Also consider where you store your RV when not in use, as secure storage can help reduce your premium.

Think about your coverage needs before requesting quotes. Do you need full-timer coverage? How much liability protection makes sense for your assets? What deductible can you comfortably afford? Would roadside assistance give you peace of mind when traveling? Understanding your priorities helps you evaluate quotes effectively.

Independent agents like FOCO Insurance Services offer a significant advantage when shopping for RV insurance. Instead of being limited to one company's products, independent agents compare coverage and rates from multiple carriers. This saves you time and often results in better coverage at competitive prices. Local agents also understand San Bernardino's specific requirements and the unique risks RV owners face in Southern California.

When comparing quotes, look beyond the premium. Consider coverage limits, deductibles, exclusions, and the insurance company's reputation for handling claims. Ask about available discounts—you might qualify for savings by bundling policies, having safety features, or completing an RV safety course. Make sure any quote includes all the coverages you need.

Get Your Free RV Insurance Quote

Protecting your RV investment doesn't have to be complicated or expensive. FOCO Insurance Services makes it easy to compare coverage options from top California insurance carriers. Our team understands the specific needs of San Bernardino RV owners and can help you find the right protection for how you use your motorhome, camper, or travel trailer.

Whether you're a full-time RV resident or a weekend adventurer, we'll help you build a policy that fits your lifestyle and budget. We shop multiple carriers to find you competitive rates without sacrificing the coverage you need. Our local expertise means we understand California requirements and can answer your questions about protecting your RV throughout the state.

Ready to get started? Contact our team for a free quote today. You can call us at (866) 315-7564, visit our office at 2075 E Highland Ave G in San Bernardino, or request a quote online. We'll walk you through your options and help you get covered quickly—often in just minutes. Let us show you how easy RV insurance can be when you work with a local independent agent who puts your needs first.