Mountain Pacific Insurance

RV Insurance  in Nevada

RV Insurance in Nevada, California, Arizona & Oregon

Mountain Pacific Insurance Services is an independent insurance agency located in Nevada & California. We provide high-quality insurance solutions to our communities in California & Nevada and to residents in Arizona & Oregon.

RV Insurance Nevada

RV Insurance in Nevada

What is RV insurance?

RV insurance policies reflect the dual nature of motorhomes, providing a hybrid of both home and auto coverages. For Nevada residents who have a motorhome, this is usually the best way to insure their RV.

RV insurance is tailored to the unique risks that owning a motorhome present. Policies often can include coverage for the motorhome, personal belongings and the policyholder.

RV Insurance Nevada

Who in Nevada requires motorhome insurance?

The vast majority of Nevada residents who own motorhomes should have motorhome insurance. Insurance is usually required when driving, and additional protections are recommended when parked somewhere.

In general, most owners should plan on carrying auto coverages that at least meet their state minimums anytime they’re using the RV. Owners typically maintain auto coverages year-round, or at least for the RVing season (e.g. summer).

Those who have financed their RV are usually also required to carry comprehensive, collision and gap coverages. Lenders include such requirements to maintain protection against the RV in case it’s damaged. These coverages are normally required year-round, for the duration of the loan.

In addition to any requirements, RV owners should get additional coverages and limits as they see fit. Insurance selection should ultimately be based on an owner’s risk exposure and corresponding wanted coverages. This often involves getting more protection than is minimally required.

Motorhome insurance includes a wide range of available coverages. Some coverages mirror those found in auto insurance, while others are more analogous to homeowners insurance.

Common motorhome protections that are largely similar to those in auto policies include:

  • Personal Injury Coverage: This typically covers injuries sustained by the RV driver and their passengers.
  • Bodily Injury Liability Coverage: This typically covers injuries sustained by passengers in other vehicles, or pedestrians.
  • Collision Coverage: This typically covers damage to the RV caused by accidents with other vehicles.
  • Comprehensive Coverage: This typically covers damage to the RV resulting from non-collision events, like wildlife damage, falling objects, theft or fire.
  • Property Damage Liability Coverage: This typically covers damage to other vehicles or non-vehicle property.
  • Underinsured/Uninsured Motorist Coverage (UM): This typically covers accidents caused by drivers lacking adequate auto insurance.

Common protections that are similar to those in homeowners policies include:

  • Personal Property Coverage: This typically covers personal belongings within the RV, such as dishes, cameras, electronics, clothes, souvenirs, etc.
  • Emergency Expenditure Coverage: This typically covers unforeseen meal and lodging expenses when travel plans get disrupted by a covered incident.
  • Vacation and Campsite Liability Coverage: This typically covers events that cause harm to others when the RV is set up at a campsite or similar location.
  • Full-Timer Coverage: This typically provides additional protections for those living full-time in their RV, and who aren’t maintaining a permanent primary residence.

RV policies are often categorized into classes, largely based on the RV’s size and type. Common classes and the RV models they normally insure include:

  • Class A: Generally includes large RVs and similar converted buses.
  • Class B: Generally includes medium RVs, and similar camper vans and trailers.
  • Class C: Generally includes small RVs and similar fifth-wheel trailers.

An insurance agent who knows RV policies will can make sure owners get the right type of policy for their motorhome, van or trailer.

Mountain Pacific Insurance Agency

 

How can Nevada motorhome owners secure RV insurance?

If you’re in Nevada and have an RV, connect with the independent insurance agents at Mountain Pacific Insurance for help finding a good policy. Our team is committed to assisting you in finding an RV insurance policy that provides solid protection for both your motorhome and yourself.

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