Recreational Vehicle (RV) Insurance in Virginia
Recreational Vehicle (RV) Insurance Based in Richmond, VA
With RVs becoming more popular with families, it is becoming increasingly important to make sure you have comprehensive protection. Recreational vehicles can be rather expensive with more options than ever before. Make sure you have coverage for your personal property and the right coverage for your recreational vehicle. Sanford Insurance, based in Richmond, VA, offers RV insurance in Virginia for all kinds of RVs, travel trailers, pop-up campers and fifth wheel trailers along with utility trailers.
At Sanford, we cover a variety of recreational vehicles in Virginia. These include:
- Watercraft
- Motorcycles
- Scooters
- Travel trailers
- Pop-up campers
- Fifth wheel trailers
- Other recreational vehicles
Personal Insurance Services
Snowmobiles
Among popular recreational vehicles are snowmobiles. Make sure you have your snowmobile coverage with the right company and the right coverage. Only certain companies may have the right coverage for your snowmobile and we represent several companies that can help you.
Coverage for the Right Price
With our policies, you’ll be covered against the many risks that are inherent with recreational vehicles. From the predictable and obvious, to the random and unexpected, our policies will give you the proper coverage for the right price.
Your Coverage Options for RV Insurance in Virginia
Liability Coverage
Liability insurance is the most basic coverage for RVs. It covers damage you cause to others, but not to your own vehicle. If you have an older RV and minimal assets, this might be enough. Talk to our RV insurance agents to be sure.
Other Than Collisions Coverage
Comprehensive coverage protects your RV from damage that doesn’t involve a collision. Think theft, vandalism, fire, storms and even hitting an animal.
Pet Coverage
Comprehensive coverage extends to your pets, taking care of vet bills if they’re hurt in an accident. It also includes a death benefit, similar to life insurance for your pets.
Electronic Equipment Coverage
Did you upgrade your RV’s sound system or add custom features? This coverage protects those additions if they’re damaged or stolen.
Towing and Labor
From towing and tire changes to jump-starts and emergency fuel delivery, you’ll get the support you need to get back on the road quickly, no matter where your adventures take you.
Transportation Expenses
This coverage eases the burden by reimbursing you for rental car expenses while your RV is in the shop after a covered accident, up to a certain limit.
Collision Coverage
Collision coverage protects your RV if you’re at fault in an accident or hit an object. It’s essential for newer models and those with outstanding loans.
Medical Expense Benefit
Medical payment coverage helps pay for medical expenses for you and your passengers after an accident, regardless of who’s at fault. It can even help cover costs beyond your health insurance deductible.
Uninsured Motorist Coverage
If you’re hit by someone without insurance, or with insufficient coverage, uninsured/underinsured motorist coverage ensures you’re still protected.
Customized Equipment Coverage
Those custom upgrades add value to your RV. Ensure they’re protected with this coverage, which insures non-electronic modifications like specialized seating, unique cabinetry and custom flooring.
Income Loss Benefits
A serious accident can impact your ability to earn a living. Loss of income coverage helps protect your family’s finances by replacing a portion of your income if you’re unable to work due to injuries sustained in an RV accident.
Other Coverage
Your local agent is an expert in RV insurance. They can help you navigate the options, answer your questions and find the perfect coverage for your unique situation.
What Our
Clients Say
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Virginia RV Insurance and Policy Questions
Does My Home Insurance Cover My RV?
While your RV is parked on your property, your homeowners insurance may offer some basic protection. This usually extends to liability coverage, meaning your policy could cover expenses if someone is injured on or around your RV.
However, it’s best to check with our expert RV insurance agents by calling us at 804-716-8940 for our South Richmond location and 804-249-9475 for our North Richmond location.
What Factors Affect My RV Insurance Premium?
Several factors can influence your RV insurance cost:
- RV Type and Value: Larger, newer and more expensive RVs generally cost more to insure.
- Coverage Limits and Deductibles: Higher coverage limits and lower deductibles increase premiums.
- Driving History: A clean driving record leads to lower rates.
- Location and Usage: Where you live and how often you use your RV affect your premium.
How Do I File an RV Insurance Claim?
If you need to file a claim, contact us as soon as possible. You can use our online form or give us a call at 804-716-8940 for our South Richmond location and 804-249-9475 for our North Richmond location. We’ll guide you through the process and help you get the compensation you deserve.
How Do I Choose The Right RV Insurance?
Choosing the right RV insurance involves:
- Assessing your needs: Consider how you use your RV, its value, and your personal circumstances.
- Working with our knowledgeable agents: Sanford’s agents can help you find the right coverage at the right price.
How is RV Insurance Different From Auto Insurance?
While similar to auto insurance, RV insurance has some key differences:
- Usage: RVs are often used for leisure and seasonal travel, unlike daily commuting.
- Living Space: RVs often have living spaces with personal belongings, requiring specialized coverage for contents.
- Customization: RVs are frequently customized with aftermarket additions that may need extra coverage.
Can I Get an RV Insurance Quote Online?
Yes, you can get a quick and easy quote online. Simply fill out our online form with some basic information. Or if you’d rather speak with us, give us a call at 804-716-8940 for our South Richmond location and 804-249-9475 for our North Richmond location.
Get Your Insurance Policy Started
Consulting with one of our licensed insurance agents in Virginia can keep you in the know of the risks you face both in your business and personal life. We are here to help you get the best coverage, protecting you against the many risks that are prevalent today.
