Recreational Vehicle Insurance in Charles City, IA
A recreational vehicle (RV) often serves as a mobile living space, and its use and features differ significantly from those of a standard car. Considering those differences is crucial when choosing insurance.
What Does RV Insurance Cover? 
RV insurance may provide coverage for motorhomes, campers and travel trailers. Like auto insurance, it typically includes liability coverage for injuries or property damage, collision coverage and financial protection against incidents like theft or severe weather. Additional options like roadside assistance and personal injury protection may be added to expand coverage.
RV policies do not cover everything. Standard exclusions in an RV insurance policy include the following:
- Damage from wear and tear, aging, rust, mold or mechanical issues
- Personal belongings inside the RV, unless listed in the policy
- Accidents caused by drivers not named in the policy
- Damage from using the RV off-road
- Losses from illegal activity or intentional damage
- Business use of the RV
RV owners should be familiar with policy terms, local regulations and available discounts when evaluating their insurance needs.
How Much Does RV Insurance Cost?
RV insurance rates are different per policyholder and are often based on the following factors:
- RV type
- Class category
- How the RV is used
- Level of coverage
- Driving history
- Geographic location
- RV value
You may qualify for discounts by completing a safety course, bundling insurance policies or equipping your RV with certain safety features. Policy prices may also differ based on local laws and insurance provider terms.
Explore Your Options
Contact Ackerson Insurance for more details on RV insurance. Our agents can help you compare RV insurance quotes.