Recreational Vehicle Insurance
Orange County, Mission Viejo, Lake Forest, Laguna Hills, Aliso Viejo, Foothill Ranch, Rancho Santa Margarita, Laguna Niguel, San Juan Capistrano, Laguna Beach, Irvine and San Clemente, California
What Our Customer's Are Saying
I want to thank Shelby and Patrick at Metro Coast for giving me the confidence to have them take care of my family's insurance needs. I had been content with my former provider and agent, but things were changing at that agency and I,m glad we had everything reviewed and updated with Metro Coast!
L. Jaenicke, San Juan Capistrano, CA
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Recreational vehicles do more than just carry you from one place to another; they transport you with an eye toward maximum fun and/or comfort along the way. Just because some of these vehicles are associated with playtime, that doesn't mean they don't need the same insurance protection as any other piece of expensive property you own. In fact, they may need more insurance since they also create a potential for liabilities.
Liability Insurance for Recreational Vehicles
Your recreational vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to others. In order to help pay for any damage you inadvertently inflict, you should secure liability insurance. This policy can also help cover the cost of environmental cleanup after an accident that causes the spillage of a toxic chemical or other pollutant.
Liability coverage will have limits that work on both a per-incident and per-policy basis. They may also have a deductible that requires an out-of-pocket contribution for each incident or year.
After you've considered the potential liabilities you are exposed to while operating a recreational vehicle, it's time to secure coverage for the value of the vehicle itself. Recreational vehicle coverage can include financial compensation in the event of physical damage, vandalism, theft and collision. In addition, your policy may allow for reimbursement of personal effects stored on a vehicle such as an RV, boat or snowmobile.
In some cases, you may want to consider adding specialized coverage for additional risks including the loss or damage of awnings and custom equipment. If you have an RV that you live in part or full time, you may need extended protection so be sure to discuss that with your agent.
Thank you for your interest in Metro Coast Insurance Services, Inc. Ready to begin your recreational vehicle insurance quote? Use our quote form here. If you would like to speak with one of our insurance professionals you can contact us via email or call 949-238-6399. Our agents are ready to provide honest and fair policy and pricing options.