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RV Insurance
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Real People. Real Results.
"Very professional staff was able to address all my questions in a timely knowledgeable manner. We will be using Worth for our insurance needs"
"Alex Lopez was great! Very responsive and will work his tail off for you."
"What amazing service and great rates! I cannot recommend them enough and as a Realtor I truly appreciate the service they give to my clients. Thank you Darren Craft"
"L'Oreal helped me step by step through the process of getting Homeowner's Insurance. Being a first time home buyer, this was exactly what I needed. Her responsiveness, knowledge and diligence made it simple for me to get insured. Highly recommend!"
"Alex returned all my calls, answered all my questions and worked tirelessly to find homeowners’ insurance for our home in Florida. He earned my trust because of his honesty and his persistence."
"Super helpful and professional! Highly recommend!!"
"Simply the best customer service!! Matt Always checks prices and coverage, and gives us amazing deals. THANK YOU 🙏"
"I had a great experience with this agency. They gave me very prompt quotes and were responsive and helpful. Highly recommended!"
"Worth Home Insurance was outstanding especially agent Alex Lopez professional approach."
"Have successfully worked with Worth Insurance on not just homeowners but my car insurance as well. Loved the professionalism the entire team has, and appreciate the attention to detail and customer experience they provided."
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Home Insurance Coverage Sections
We're here to help you make the most of your insurance. Worth was born out of the first hand frustration with the home insurance experience. Our process and team make it quick and easy to find the best value policies and protect against the unexpected. Let's take home insurance off your to do list and say hello to peace of mind.
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Coverage A: Dwelling Coverage
This first section of coverage provides coverage for the actual home itself. It is important that the value limit of this coverage be set to at least the amount equal to what it would cost to rebuild your home, otherwise known as your replacement cost coverage. Mortgage lenders also require for homes to be insured at least to their replacement cost.
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Coverage B: Other Structures
The Other Structures section provides coverage for other structures on your property. Some examples include fences, sheds, and detached garages. Typically this coverage is set to about 10% of your Coverage A, but it should be adjusted up if there is a need for increased coverage limits.
Coverage C: Personal Property
Section C of the policy provides coverage protection for personal belongings. One easy way to describe what this covers is if a house was to be turned upside down and shaken, what would fall out is what would apply to this coverage section. Examples of personal property include, furniture, electronics, clothes and toys.
Coverage D: Loss of Use
This coverage provides for reimbursement for additional living expenses in the case that a covered peril caues damage to your home that makes it unlivable. In this case you may need to move out of the home and rent a different home or a hotel room in the interim. Typically this is limited in terms of time and cost defined by the policy.
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Coverage E: Liability Coverage
Coverage E is the policy's provision for liability coverage. This section provides protection against things like medical bills and legal fees if someone happens to be injured on your property or in the case you are found liable, ie if your dog bites someone. Certain factors can make your home more risky in this regard. Examples include trampolines and pools. It is important to safeguard these areas of your home from children.
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Coverage F: Medical Payments
The final section of the policy is Coverage F. This section provides protection against payments for minor medical bills to those injured on your property. The typical coverage amount for a standard policy is limited to $5,000 per claim. It is possible for this portion of the policy to provide a payout even when the injury was not your fault.
Top Carriers. Great Rates. Quality Coverage.
Frequently Asked Questions
We get it. RV insurance can be confusing. We're here to help.
RV insurance, or Recreational vehicle insurance protects your property and damages or injuries you may cause much like car insurance does.
Auto insurance is not designed with Recreational Vehicles in mind. An RV has unique risk exposures and additional coverages that are important to consider and protect.
States do not require you to carry insurance on a vehicle that you pull with a car or truck. If you finance the travel trailer, your lender might require that you purchase comprehensive and collision coverage to protect
Depending on how much your RV is in use, insurance premiums can range from $200 to $3,000. If you are a part-timer, you can expect to pay less than $1,000. If you are a full-timer, you can expect to pay $2,000-$3,000.
Standard RV insurance will cover things such as physical damage, RV roof protection, Injuries, and much more.
It is a good idea to have RV insurance because of the amount of money you have invested. Because RV's are large vehicles, major injuries and significant physical damage can happen if in an accident.
RV insurance is a promise to pay in the event of a covered loss, up to the coverage limits in the event of a total loss. Insureds pay premium in exchange for the assurance that they will be made whole per the terms of the policy in the event of a loss.
Agreed value offers coverage at a set price. In the event of a complete or total los, the insurance company is to pay out the complete amount of the agreed value established.
Most states require a minimum
Insurance is optional for RV trailers because they are not motorized. However, if your motor home or travel trailer is financed, your lender will most likely require you to carry physical damage coverages.
Similar to other types of insurance, your RV insurance cost will be determined by risk.
If you own your RV, you will only be required to have standard liability insurance. If you live in a no-fault state, you will also need personal injury protection.
