RV

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RV Insurance Coverage in Washington

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer when traveling in and out of Washington. Here at Legacy Insurance LLC, let us help you select the right coverage for your RV needs and get a great price at the same time. Call us today at 509-960-2550 to get your free insurance quote.

Here are some things to consider when shopping for recreational vehicle insurance:

  • You can purchase RV Insurance in Washington for personal or recreational use. This can be insured for usage up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
  • You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
RV Insurance in Spokane, WA
    • Stated Value – market value/actual cash value of the RV
    • Agreed Value – the insured amount, regardless of the current market value
    • Replacement Cost – we will replace your insured RV with a new RV that is most like it
  • Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
  • Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
  • Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
  • Other additional coverage can include: Accident forgiveness, pet coverage, diminishing deductible, and more.
  • Discounts can lower your premium. Ask us at Legacy Insurance LLC whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
  • You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.

Legacy Insurance LLC is independently owned and locally operated to handle your insurance needs. We focus on insurance in Spokane, WA but offer affordable and reliable insurance choices all across Washington and most of the Northwest.

Contact us for a quote today at 509-960-2550.

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Frequently Asked Questions

Do I need to keep my RV Insurance in the off-season?

Yes, you should keep your RV insured in the off-season. Various damages can occur when the vehicle is in storage that you would need coverage for such as weather-related accidents, theft, or vandalism or fires.

What is Total Loss Replacement coverage?

Total loss replacement coverage provides you with a new vehicle if your existing, used RV is considered a total loss. Not all RVs are eligible for this coverage so check with your agent.

What is full-timer’s coverage?

Full Timers liability coverage is designed for individuals who use their RV as a permanent residence. If you live in your RV, you’ll want to consider this coverage.