Whether you use your vehicle as a permanent home or take it sightseeing around the country, an RV is essentially a home with storage. It’s crucial to understand the type of insurance protection you may need if you decide to purchase an RV, and we can help. 

Parker, Shelton & Associates Inc. has helped Virginia and North Carolina drivers for more than 30 years, and we can also help you with suitable RV insurance.  

What Is RV Insurance? 
RV insurance is an insurance policy designed specifically for RVs. Like any other policy, in exchange for your premium payments, the insurer agrees to provide you coverage as set forth by your policy. An RV insurance policy can protect you with liability, property and other types of coverage, depending on how you plan to use your vehicle. We can help you explore the various coverage types and what insurance you may need for protection. 

What Does RV Insurance Cover? 
There is a range of RV insurance for your specific needs. We can help you create a policy that gives you sufficient coverage based on how you plan to use your recreational vehicle. Some of the types of insurance you may want to explore include the following:  

• Collision insurance may help cover the costs of repairing damage to your RV after an accident or replacing it if it is totaled.
• Comprehensive insurance may help pay for the RV’s repair or replacement costs related to damage from non-accident mishaps, such as weather damage.
• Liability insurance may help financially protect you if you’re at fault in an accident and cause property damage to others or bodily injury. It may also help cover the costs of lawsuits related to your liability in an accident.
  • Bodily injury liability coverage may pay for their medical bills (and in some cases, deaths).
  • Property damage liability may pay for damage to the other driver’s property (e.g., vehicle).
• Medical payments coverage may pay your and your passengers’ medical bills for injuries sustained in an RV-related accident.
• Uninsured/underinsured insurance may help financially protect you against the costs incurred following repairing damage or replacing your RV after you’re in an accident caused by someone with inappropriate liability coverage. 

Additional coverages may make sense for you to add to your policy. Supplemental coverages that may be beneficial for you could include the following:  

• Campsite and vacation coverage may offer protection if someone else is injured or their property is damaged by your RV while at a campsite or on vacation. 
• Full-time residence insurance may be beneficial if you plan to live in your RV permanently, as it provides coverage unique to those living full-time in their RV. 
• Emergency expenses may help pay your temporary living or travel expenses if your vehicle becomes disabled because of a covered event.
• Equipment and attached accessories may help insure additional equipment (e.g., satellite dishes and attached awnings) on your RV.
• Personal belongings may help to cover repairing or replacing the unique items you keep in your RV following a covered loss.
• Towing and roadside may help pay for towing services or if you need roadside assistance. 

How Does RV Insurance Work? 
RV insurance protects you with liability, property and other types of coverage, depending on how you use your RV and the kind of policy you have. Suppose you have an insured loss during your policy period. In that case, your policy may be able to help cover some of the repair, replacement or liability costs--depending on the claim and your policy coverage. For example, if you plan to live in your RV (like the full-time insurance mentioned above), your insurance policy may work differently than if you travel around the country for leisure.  

Protection Wherever You Go 
Parker, Shelton & Associates can help you get the protection you need wherever your travels take you. Call one of our Virginia locations to speak with an insurance agent. Call our Christianburg office at 540-381-6358, our Lynchburg office at 434-239-6936, our Martinville office at 276-632-5200 or our Stuart office at 276-694-3169.