RV Insurance in Knoxville, TN
Recreational vehicle (RV) insurance may help provide essential coverage specifically designed to meet the unique requirements of RV owners.
At Tennessee State Insurance Inc., our full-service independent insurance agency prioritizes your needs. We can assess your individual circumstances and leverage that information to find the best policy that fits your needs and budget.
What Makes Recreational Vehicle Coverage Different From Automobile Coverage?
Unlike regular vehicles, RVs often serve as both transportation and living quarters. RV insurance can integrate aspects of auto and homeowners’ insurance, offering coverage for the vehicle and personal belongings inside.
What Does RV Insurance Cover?
RV insurance may include:
- Liability coverage may help protect against third-party property damage and bodily injury if you’re found at fault in an accident.
- Comprehensive and collision coverage may help provide financial protection from vehicle damage due to accidents, theft, vandalism or natural disasters.
- Personal belongings coverage may help cover damage or loss of personal items inside the RV.
- Roadside assistance may help provide help for mechanical breakdowns and other emergencies on the road.
- Emergency expenses may help with costs incurred if you need to relocate due to covered damage temporarily.
- Full coverage RV insurance may include enhanced liability protection to cover situations when the RV is parked.
How Much Does RV Insurance Cost?
The cost of RV insurance is influenced by several factors, including the type of RV, its value, frequency of use, driving history and location. Motorhomes typically incur higher premiums compared to travel trailers due to their larger size and additional features. Consider bundling policies, maintaining a clean driving record and seeking discounts for safety features or RV club memberships to help get favorable RV insurance rates.
Get the Right Coverage
At Tennessee State Insurance, Inc., our independent agents are experts in RV insurance, providing customized solutions for motorhomes, fifth wheels and campers.
Reach out to us today or request a free quote.