Personal Insurance
RV Insurance in California
California's incredible landscapes are calling. Whether you own a Class A motorhome or a pop up camper, WeInsureCali provides RV insurance that protects your home on wheels from the highway to the campsite and everywhere in between.
What Is Covered
Coverage at a Glance
Collision Coverage
Covers damage to your RV from accidents with other vehicles or objects. Essential for protecting your investment whether you are on the highway or maneuvering through a campground.
Comprehensive Coverage
Protects your RV from theft, vandalism, fire, hail, fallen trees, and animal strikes. Covers your RV whether it is on the road, at a campsite, or in storage.
Liability Protection
Pays for injuries and property damage you cause to others while driving or using your RV. Includes coverage for incidents at your campsite.
Full Timer Coverage
If your RV is your primary residence, full timer coverage provides liability and personal property protection similar to a homeowners policy.
Personal Effects
Covers clothing, electronics, camping gear, and other personal items inside your RV. Standard auto policies do not cover personal belongings in a vehicle.
Vacation Liability
Extends your liability coverage to include incidents that occur at your campsite, such as a visitor tripping over your awning stakes or being injured by your campfire.
California Context
Why This Matters in California
California's national parks, state parks, and scenic highways make it one of the top RV destinations in the country. From Yosemite to Big Sur, the roads you travel have unique hazards including steep grades, narrow mountain roads, and wildlife crossings.
RVs are expensive vehicles, often costing $50,000 to $300,000 or more. A total loss without proper coverage would be a devastating financial blow.
California wildfires can threaten campgrounds and RV parks with little warning. Comprehensive coverage protects your RV if you need to evacuate quickly or if fire damages your vehicle.
If you use your RV as a full time residence in California, you need specialized coverage that provides the same protections as a homeowners policy, including personal liability and personal property coverage.
California law requires the same liability insurance minimums for drivable RVs as it does for passenger vehicles. Driving without coverage results in the same penalties.
Pro Tip
If your RV is your primary residence, ask about our full timer policies. They provide homeowners level coverage including personal liability, personal property, and medical payments that standard RV policies do not include.
Common Questions
Frequently Asked Questions
Related Coverage Options
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