CALIFORNIA RV INSURANCE FOR LIFE ON WHEELS

Your auto liability usually extends to a trailer you are towing, but damage to the trailer itself, and everything inside it, needs its own coverage.

If the RV is your primary residence, full-timer coverage adds liability and protection that work like a homeowners policy. Tell us how you use the rig and we will match the coverage to it.

With personal belongings coverage, yes. And an RV usually carries far more than a car. Walk us through what travels with you.

Often, yes. Many insurance companies offer storage coverage for the months the RV sits, which costs less than full coverage and avoids a gap in insurance.

Most RVs are covered the same day: online, by phone, or at an office.

Yes. How an RV is insured depends on how it moves. Motorhomes are insured like a vehicle, with liability plus physical damage. Campervans start with auto liability, and the conversion and equipment need to be listed so they are covered. Travel trailers and 5th wheels are towed, so coverage is mainly for damage to the trailer and what is inside, with liability following the truck. Pop-ups and truck campers are often added to a policy. Tell us the year, make, model and how it moves.

The year, make, model and VIN, what it is worth, whether it is financed, where it is stored, and whether anyone lives in it full-time. If you also need a policy on the truck that tows it, ask for auto and RV quotes together. Start online, call 1-800-921-AMAX, or visit an A-MAX office.

Match the policy to how you use the RV. A few weekends a year prices differently from full-time living. An older trailer you own outright may need less coverage than a financed motorhome. A higher deductible usually lowers the premium. Ask about options for the months it is stored, without leaving a gap in insurance. We shop. You choose. And we show you what each option covers, not just what it costs.