California RV Insurance
California’s diverse landscapes—stretching from the Sierra Nevada mountains to the Pacific coastline—make it one of the best places in the country to explore by RV. Whether you’re camping under the redwoods, traveling Route 1 along the ocean, or exploring desert parks like Joshua Tree, owning an RV gives you the freedom to roam. But before setting out on your next adventure, it’s important to make sure your motorhome or trailer is protected with the right California RV insurance.
California RV Insurance Frequently Asked Questions
Yes, RV insurance is required in California for all motorized RVs, including Class A, B, and C motorhomes. These vehicles are treated like standard motor vehicles under California law and must carry the state’s minimum liability insurance.
For towable RVs (like travel trailers, fifth wheels, and pop-ups), insurance is not legally required. However, it is strongly recommended to have separate coverage, especially to protect against risks such as theft, fire, and physical damage. Liability coverage from your tow vehicle extends while towing, but it won’t cover your trailer itself in the event of damage or loss.
Whether you’re traveling full-time or taking seasonal road trips, California RV insurance provides peace of mind and financial protection. Motorhomes and travel trailers represent significant investments, and the cost of repairs or total loss can be overwhelming without the right policy in place.
Comprehensive RV insurance also protects against:
- Liability if you’re involved in an accident
- Damage from non-collision events like fire, theft, or falling objects
- Loss or damage to personal belongings inside the RV
- Emergency lodging and travel expenses if your RV is rendered unlivable
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $5,000 for property damage per accident
Due to California’s varied geography, population density, and higher cost of living, RV insurance rates tend to be slightly above the national average.
Premiums are based on your RV’s value, usage frequency, your driving record, ZIP code, coverage limits, and deductible amounts. Full-timers may require more comprehensive policies than seasonal travelers.
RV Life in California: What to Know
California offers one of the most RV-friendly lifestyles in the country, with hundreds of RV parks, campgrounds, and public lands to explore. Whether you’re boondocking in the Mojave Desert or hooking up in a luxury resort in Palm Springs, your RV experience should be enjoyable and stress-free.
However, with that lifestyle comes responsibility. Many California RV parks require proof of insurance to reserve a site, especially in state or national parks. Additionally, RVs left in storage—particularly in wildfire zones—must be insured against potential environmental hazards.
How to Save on RV Insurance in California
- Bundle policies: Combine your RV insurance with your home or auto policies to unlock discounts.
- Store smart: Keep your RV in a secure, covered facility when not in use to lower theft and weather risks.
- Install safety features: GPS trackers, alarm systems, and fire extinguishers can qualify you for lower rates.
- Limit mileage: Some insurers offer lower premiums if you don’t drive your RV full-time.
- Take an RV safety course: Completion of an approved course can reduce premiums and improve your confidence behind the wheel.
Testimonials
Marty Karriker is a class act! His communication and business ethics are top notch and it’s always a pleasure to work with him and his team.
- Andrew Steele (RVing with Andrew Steele)
Common Risks for California RV Owners
California’s dynamic environment means that RV owners face several risks that should be factored into their insurance decisions:
- Wildfires: Especially in rural and mountainous areas, wildfires can cause total loss. Comprehensive coverage is essential to protect your RV from fire damage.
- Earthquakes: While not always covered by standard RV policies, you may want to consider additional earthquake coverage depending on your location.
- Theft and Vandalism: RVs parked in urban areas or tourist hotspots are often targets for theft. Personal property protection can help safeguard belongings inside your RV.
- Storm and Coastal Flooding: Areas near the coast and in central valleys are vulnerable to flooding. Comprehensive insurance helps protect against weather-related loss.
- Highway Accidents: California’s dense traffic and long-distance driving increase the likelihood of accidents. Collision coverage ensures your RV can be repaired or replaced after an incident.
Request a Quote
Your RV is your home on wheels—protect it with coverage that fits your lifestyle and budget. Whether you’re looking for full-timer insurance, occasional-use policies, or specialized protection for your Class A, B, or C motorhome, we’ve got you covered.
Contact us today for a free, no-obligation quote on California RV insurance and travel the Golden State with confidence and protection.
