Comprehensive RV Insurance with Rollo Insurance

Protect your investment and travel with peace of mind by securing the right RV insurance. At Rollo Insurance, our local agents are dedicated to understanding your unique needs and tailoring a policy that fits your lifestyle and the type of RV you own.

Serving College Station, Bryan, Huntsville, Salado, Palestine, Fairfield, Trinity, Buffalo, Brazos County, Brownwood, Ennis, Troup, Tyler, Franklin, and Goldthwaite, Texas

What is RV Insurance?

RV insurance, or Recreational Vehicle insurance, is a specialized form of auto insurance designed for motorhomes, travel trailers, camper vans, and other recreational vehicles. This coverage protects both the vehicle and its owner from various risks, ensuring you have the necessary protection while on the road.

Key Factors to Consider When Insuring an RV:

1. Type of RV: Different types of RVs (motorhomes, travel trailers, fifth wheels, etc.) require specific coverage. Be sure to specify the type of RV you own.
2. Usage: Your insurance needs may vary based on how you use your RV. Full-time RVers typically need more comprehensive coverage compared to seasonal or occasional users.

Core Coverage Options:

1. Comprehensive Coverage: Protects your RV from non-collision-related incidents like theft, vandalism, fire, or natural disasters.
2. Collision Coverage: Covers damage to your RV resulting from a collision, regardless of fault.
3. Liability Coverage: Required by law, this covers bodily injury and property damage you may cause to others in an accident.
4. Personal Injury Protection (PIP) or Medical Payments: Covers medical expenses for you and your passengers in an accident, regardless of fault.
5. Uninsured/Underinsured Motorist Coverage: Protects you in accidents involving drivers without insurance or insufficient insurance.

Optional Coverages to Customize Your Policy:

1. Personal Effects Replacement Cost: Covers personal belongings inside your RV, like electronics, kitchenware, and clothing.
2. Vacation Liability: Provides premises liability coverage for injuries, with limits up to $500,000.
3. Aftermarket and Custom Equipment: Protects custom and aftermarket equipment not installed at the factory or dealership.
4. Roadside Assistance: Covers services like tire changes, fluid delivery, battery jumps, towing, and locksmith assistance.
5. Emergency Assistance: Includes all features of roadside assistance plus coverage for personal property, temporary living expenses, and transportation if your RV becomes uninhabitable.
6. Diminishing Deductible: Reduces your collision deductible by $100 with each claim-free year, up to a maximum of $500.
7. Loan or Lease Protection: Covers the difference between the remaining loan/lease amount and the RV’s actual value in the event of a total loss.
8. Pet Coverage: Helps cover veterinary expenses or provides a death benefit if your pet is injured or dies in a collision.
9. Electronic Lock and Key Replacement: Replaces stolen electronic keys and remote-control pads with no deductible.

Discounts:

Ask about available discounts for bundling policies, having safety features, or completing RV safety courses. 

By considering these factors, Rollo Insurance can tailor your RV insurance policy to fit your specific needs, ensuring you have comprehensive protection while enjoying your travels.

*Coverage availability varies by carrier, state, and vehicle.