RV Insurance California

A Wide Variety of Insurance Coverage Including the Following

  • Class A Motorhomes Insurance Coverage
  • Class B Motorhomes Insurance Coverage
  • Class C Motorhomes Insurance Coverage
  • Travel Trailer Insurance Coverage
  • Fifth Wheels Insurance Coverage
  • And Much More!!!

If you’re searching “RV Insurance California“, Overland Insurance Agency can help! We offer the most affordable RV Insurance packages California has to offer. Receive a free California RV Insurance quote by giving us a call today at 1-800-677-4027.

There is Affordable RV insurance in California

California has a lot of mountains, scenic vacations retreats, wineries, and campgrounds where tourists and residents can go to really begin enjoying their RVs. So, having the right type of insurance coverage for your RV is vital, because these policies tend to a bit on the expensive side, it is wise that you compare various motorhome insurance quotes before you settle on a policy.

RV Statistics for California

  • California has the most RV service technicians in the United States. As of 2013, there were around 1220 technicians in California alone.
  • California receives 5.87% of new manufactured RVs which makes this state second to Texas when it comes to RVs purchased and owned.
  • There are 1055 RV parks in California, 131 of those can accommodate the largest RVs.

How is RV insurance different from auto insurance?

Just as the name implies, RVs are vehicles, so they will need to have insurance coverage. Because RVs are also used as homes, there is normally a lot of personal property within the RV, which opens the door for other types of property damage and liability risks. RV owners will need to have home insurance as well. Motorhome or RV insurance will provide owners with both types of coverage all in one package. Because RVs are much heavier and larger than many other vehicles on the road, the potential for injury and damage to others is greater if there is a collision. It is because of this that motorhome insurance policies will have higher levels of liability insurance protection than your regular vehicle policies.

What types of RVs will these policies cover?

There are various types of RVs. Some like the fifth-wheel trailers and towable campers are not motorized vehicles. That means that they will need trailer insurance instead of RV insurance, which is made just for motorized vehicles that are also used as living quarters. The following types of motorhomes can be covered with RV insurance within California.

Class C – These are shaped like trucks that have a bunk space over the top of the driving cab. They are similar to Class A RVs when it comes to amenities, but are much smaller.

Class B – These look large vans, but they are the most maneuverable and smallest RVs. They are often equipped with pop-ups or pop-outs that can expand the living space.

Class A – These are shaped like large buses, and are the largest and most expensive RVs.

What coverage options should you expect?

There are insurance providers for both home and auto insurance for RVs, so you will find options for each of these in two categories of coverage.


Ronald Jarvie is a Nationally Certified Insurance Counselor Agent Since 1995!

Vehicle Related Coverage Options

  • Roadside Assistance Insurance – This will cover the cost of assistance if you’re RV breaks down while on the road. RVs require specialized towing and assistance, which can be expensive if you don’t have coverage.
  • Comprehensive Insurance – This will compensate you for replacement or repair of your RV if it has damage in a non-collision related event like fire, falling objects, flood, or property crime.
  • Collision Insurance – This will compensate you for costs of repair or replacement if your RV receives damage in a collision, regardless of the fault.
  • Personal Injury Protection Insurance – This will cover any medical injuries for your or your passengers if you are involved in a collision in the RV, regardless of the fault.
  • Liability Insurance – This will cover the costs that are associated with any third party property damage or injuries if you are responsible for the collision when in the RV.

Home Related Coverage Options

When you begin to compare policies, ensure that you are asking about the coverage options that are offered by the company. There are some companies that will provide more coverage options than what is listed below.
  • Vacation Liability Insurance – This is also called campsite liability insurance; this is similar to full time liability coverage but it covers for a short amount of time so that you only have coverage when you are using your RV for vacations.
  • Full Time Liability Insurance – This is similar to liability coverage for home insurance. It is available to California residents who live in RVs more than 6 months a year.
  • Contents Insurance – This will cover your personal property inside of your RV like cookware, appliances, décor, and clothing. You may get compensation for losses if you deal with property damage or loss as the result of covered events.


Normally, the insurance rates for Class C RVs average about $800 but for the Class A RVs it could be as much as $4000 a year. These are just average rates, the actual quote that you receive may be lower or higher, depending on various factors. Such as the following. RV insurance rates may different from one company to the next, so get at least 3 quotes before you pick a policy to go with.

  • RV type which includes value, size and weight
  • Make, model and year of RVs
  • How often the RV is used, include miles driven per year
  • Coverage options you pick and limits selected
  • Deductible amount
  • Your claims history and driving record
  • If you qualify for any discounts for multi-policy, claims free renewals, and automatic electronic payments

Find and then Compare RV Insurance Quotes

Shopping for inclusive and competitively priced RV insurance in California can be time consuming. Luckily, you can make the process of comparing easier when you work with Overland Insurance Network. Additionally, we can evaluate your coverage needs and answer any questions you have, as well as working with a local agent that can work with various insurance companies to give you a variety of policies to pick from.


There are several Overland Insurance Agents in California, so contact an agent near your area to start comparing insurance quotes and to learn more. Receive a free California RV Insurance quote by giving us a call today at 1-800-677-4027.