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 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.
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.
This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.