RV Insurance in Summerville, SC

Owning a recreational vehicle (RV) unlocks endless opportunities for adventure. However, this comes with the responsibility of protecting your RV from potential risks. RV insurance is essential to safeguard your investment.

At B&A Insurance LLC in Summerville, South Carolina, we can provide reliable RV insurance solutions. As a family-owned business, we understand the unique needs of RV owners and can offer personalized policies designed to protect you and your vehicle on every journey.

What Is Recreational Vehicle Insurance?

RV insurance is a specialized policy that typically covers a range of protections to safeguard your recreational vehicle financially. The following are some common coverages:

Liability coverage—This can cover other parties’ bodily injuries and property damage if you’re at fault in an accident.

Collision coverage—This can pay for damage to your RV resulting from a collision with another vehicle or object.

Comprehensive coverage—This can cover noncollision-related incidents, such as theft, vandalism or natural disasters.

Uninsured/underinsured motorist coverage—This may offer financial protection if you’re involved in an accident with an at-fault driver who lacks sufficient insurance.

Personal belongings coverage—This may cover personal items inside your RV, like electronics, clothing and camping gear.

Medical payments coverage—This can pay for medical expenses for you and your passengers after an accident, regardless of fault.

Roadside assistance—This can help if your RV breaks down, including costs for towing, tire changes and fuel delivery.

Is an RV Covered Under Auto Insurance?

A standard auto insurance policy is generally insufficient when considering an RV’s coverage needs. Auto insurance typically provides liability coverage when a covered vehicle is towing a trailer but does not extend to protect the RV itself. A separate RV insurance policy is essential to address the unique risks and needs associated with recreational vehicles.

What Qualifies as a Recreational Vehicle?

RVs are categorized into various types, including Class A (e.g., larger motorhomes), Class B (e.g., camper vans and Class C (e.g., smaller motorhomes). Other common types include travel trailers, fifth-wheel trailers and pop-up campers. Any motorized or towable vehicle with living quarters is generally considered an RV.

Learn More

If you’re looking for recreational vehicle insurance, B&A Insurance LLC is here to assist you. Contact us today to learn more or request a free quote.