Secure Your Adventures
Recreational Vehicle Insurance
Owning a recreational vehicle (RV) is your ticket to endless adventure—cruising the stunning Jersey Shore, setting up camp in the Pine Barrens, or hitting the open road to explore beyond state lines. But with the thrill of RV life comes the need for solid protection. Your RV is more than just a vehicle; it’s a home on wheels, an investment, and a gateway to unforgettable experiences. We offer dynamic insurance plans crafted for New Jersey travelers, giving you the freedom to roam knowing you’re covered.
Get a QuoteAdventure Freely with RV Insurance
New Jersey offers a diverse landscape for RV enthusiasts—from beachfront camping and state parks to bustling urban centers and scenic mountain drives. However, the state’s busy roads, variable weather, and potential for accidents or theft make having the right RV insurance crucial. Unlike standard auto insurance, RV insurance covers not only the vehicle itself but also its contents, additional liability, and other specific risks associated with RV travel and ownership. Comprehensive RV insurance protects you from financial loss due to collisions, natural disasters, theft, and liability claims, ensuring that your road trips remain worry-free.
Varied Recreational Vehicle Insurance
RV insurance provides various types of coverage to address the unique risks associated with an RV, whether you have a motorhome, travel trailer, camper, or fifth-wheel.
Liability Insurance is mandatory for RV insurance, protecting you if you’re liable for injury or property damage in an accident. It includes Bodily Injury Liability for medical expenses and legal fees and Property Damage Liability for repairs to damaged vehicles or structures.
Get a QuoteNon-Mandatory RV Insurance Options:
- Collision Insurance: Covers the cost of repairing or replacing your RV after an accident, regardless of fault, saving you from hefty expenses.
- Comprehensive Insurance: Protects against non-collision events like theft, vandalism, fire, or storm damage, crucial for New Jersey’s unpredictable conditions.
- Uninsured/Underinsured Insurance: Ensures you’re covered for medical bills and damages if you’re hit by a driver with no or insufficient insurance.
Other RV Insurance Options:
- Personal Effects Insurance: Protects your personal belongings in the RV, like electronics and camping gear, against loss or damage, ideal for extended trips or full-time RV living.
- Medical Payments Insurance: Pays for medical expenses for you and your passengers after an accident, regardless of fault, covering costs like hospital visits and surgeries.
Additional Insurance for RV Owners
Depending on your RV type, usage, and specific needs, additional coverage options can further enhance your protection:
- Full-Timer’s Liability: Protects those living in their RV full-time, like homeowner’s insurance.
- Roadside Assistance: Covers towing, tire changes, and fuel delivery if your RV breaks down.
- Vacation Liability: Provides coverage for incidents around your RV at campsites.
- Emergency Expense Insurance: Pays for lodging, transport, and meals if your RV is uninhabitable while traveling.
Tips for Safe RV Travel in New Jersey
Exploring New Jersey in an RV is an exciting experience, but it’s essential to stay prepared for the road. Always perform a pre-trip inspection of your RV, checking tires, brakes, lights, and fluid levels. Plan your route ahead of time and be mindful of low-clearance bridges or narrow roads common in older towns. Stay updated on weather conditions, especially in coastal areas where sudden storms can occur. And remember to secure all loose items inside the RV to prevent damage while driving, ensuring a smooth and safe journey.
Get a QuoteExplore New Jersey and Beyond
From the winding roads of the Delaware Water Gap to the bustling campgrounds of Long Beach Island, New Jersey is full of adventure for RV owners. With the right RV insurance from LG Insurance Agency, you can embark on your next journey with confidence, knowing you’re fully protected. Learn more about our RV insurance options for New Jersey residents from one of our expert agents.
Get a Quote
Discover affordable premiums and ultimate coverage with a free quote.