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Your RV Is More Than a Vehicle—It’s a Lifestyle
Whether you’re chasing sunsets down the coast, exploring national parks, or simply pulling into your favorite campsite for the weekend, your RV isn’t just transportation—it’s your home on wheels. And with that kind of freedom comes the need for the right kind of protection. That’s where San Clemente Insurance Agency steps in with RV insurance that’s built for real adventure.
RVs come in all shapes and sizes—from cozy campers to fully loaded motorhomes—and each one needs coverage that fits just right. We make it easy to get the protection you need, with options that travel with you, wherever the road leads.
Protection at Every Campsite
From storm damage to theft, our RV insurance covers the unexpected—even while you’re parked under the stars.
On-the-Road Confidence
We include coverage for collisions, liability, and roadside assistance so your adventure doesn't get stuck in park.
Peace of Mind, Mile After Mile
Accidents, injuries, or emergencies—we’ve got your back, so you can keep your focus on the journey ahead.
What Does RV Insurance Cover?
When you insure your RV with San Clemente Insurance Agency, you get more than the basics. We customize coverage to your needs, whether your RV is a motorhome, fifth wheel, travel trailer, or camper van. Here's a quick look at what our RV insurance typically includes:
| Coverage Type | What It Covers |
|---|---|
| Collision Coverage | Repairs or replacement if your RV is damaged in an accident, no matter who’s at fault. |
| Comprehensive Coverage | Protection from theft, fire, vandalism, falling objects, and weather-related damage. |
| Liability Insurance | Covers bodily injury and property damage if you're found responsible in an accident. |
| Personal Belongings | Helps replace items like electronics, clothing, and camping gear damaged or stolen while in the RV. |
| Emergency Expenses | Covers lodging and transportation if your RV is disabled away from home. |
What Kind of RV Do You Have?
Not all RVs are the same—and your insurance shouldn’t be either. Here's a breakdown of common RV types we insure and what makes each unique:
| RV Type | Description |
|---|---|
| Class A Motorhome | Large, luxurious, bus-like motorhomes designed for extended trips or full-time living. |
| Class B Camper Van | Compact, nimble, van-style RVs perfect for weekend warriors and solo travelers. |
| Class C Motorhome | Mid-sized RVs with sleeping areas above the cab—great for families and easy maneuvering. |
| Travel Trailer | Tow-behind RVs with a range of layouts and sizes, from minimalist to spacious. |
| Fifth Wheel | Larger towable RVs that require a special hitch in the truck bed—ideal for long stays. |
Add-Ons Worth Considering
Every RV lifestyle is different. That’s why we offer a range of optional coverages to give you extra peace of mind:
- Full-Timer Coverage: For those who use their RV as a primary residence, this acts like a homeowners policy.
- Vacation Liability: Protects you if someone gets injured while visiting your parked RV at a campground or RV park.
- Roof Protection: Helps with costly roof repairs due to wear, leaks, or water intrusion.
What Impacts Your RV Insurance Premium?
Like any insurance, RV premiums depend on a few important details. Understanding them helps you choose the right coverage and budget wisely:
| Factor | How It Affects Cost |
|---|---|
| RV Type & Value | Bigger and newer RVs tend to cost more to insure due to higher replacement costs. |
| Usage Frequency | Full-time usage may lead to higher premiums than occasional weekend use. |
| Storage Location | Keeping your RV in a secure location can reduce your rate significantly. |
| Driving History | Safe driving = lower risk = better rates. |
| Deductibles & Limits | Choosing a higher deductible can reduce your premium, but increases out-of-pocket costs during a claim. |
We’re Here When You Need Us
At San Clemente Insurance Agency, we know RVers are a special kind of traveler. You value the journey just as much as the destination. We’re here to protect that journey with coverage that’s as reliable as your favorite highway.
From policy questions to claims to finding the perfect coverage mix, you’ll always talk to a real person who gets it. Someone who cares. Someone who’s right here in your community. Call us at 949-369-0951 and let’s hit the road together—with confidence.
Let’s Get You Rolling
The open road is calling—make sure you’re ready for whatever it brings. Click below or call today to get your personalized RV insurance quote from San Clemente Insurance Agency. Adventure should feel free, and with the right coverage, it really can.
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