Recreational Vehicle Insurance in Costa Mesa, CA 

If you own a recreational vehicle (RV), insurance can help financially protect you and your property from losses caused by unexpected incidents. Trilogy Insurance Brokers, Inc. is dedicated to helping RV owners like you find the most suitable coverage for your lifestyle and driving needs.

What is RV Insurance?

RV insurance can insure your vehicle against damage caused by accidents, liability claims and other loss events. It can cover various types of vehicles, including motorhomes, travel trailers and camper vans.

Specifics can vary depending on your carrier, but policies may often provide the following coverages:

• Comprehensive coverage may help address losses caused by fire, severe weather, theft and vandalism.
• Collision coverage may financially protect you and your vehicle in case you’re involved in a crash involving a stationary object or another vehicle.
• Liability coverage may cover the necessary expenses if you’re held responsible for causing a third party’s bodily injuries or property damage.
• Uninsured/underinsured motorist coverage may pay for repair costs if your RV is hit by a driver with insufficient coverage or if you are a victim of a hit and run.
• Personal property coverage can compensate you for losses involving belongings stored or transported in your RV, such as clothing, camping equipment and electronics.

Is Coverage Required?

California requires RV drivers to maintain proof of financial responsibility, which is typically achieved through meeting minimum liability coverage limits. Your lender may also ask you to present proof of a policy if you’ve financed it. Even if it’s not required, getting RV insurance is still recommended if you don’t want to have to pay for your RV’s repair or replacement costs or otherwise manage vehicle-related losses out of pocket.

How Are My Rates Determined?

The following factors may affect your RV insurance rates:

• Your location
• The type and model of your RV
• Usage habits (e.g., annual mileage and how often you use or live in your RV)
• Your driving record
• Your claims history
• Your policy details (e.g., coverages, deductible and limits)

How to Get RV Insurance

Contact Trilogy Insurance Brokers, Inc. today to learn more or request a personalized quote.